BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo continuously declines on purchases I attempt with my debit card! Regardless of the fact that I submit the correct pin which is the security

measure! I have plenty in the account to cover the purchase, but they still decline! I am using the process of providing my card and pin, YET THEY ALWAYS DECLINE! They state it is for security purpose, but that is nonsense since the security requirement of card and pin had been met! It has been absolutely debilitating be stranded without fuel and other life destroying circumstance that they create not honoring my purchases that I am attempting with MY MONEY! They do it to illegally retain our money as asset base for their benefit. I have complained over 40 times to them a
bout stopping this felonious behavior. They have not and will not change this thievery! They seem to have some shield against being charged and prosecuted for this felony they

keep perpetrating on US citizens! I have complained here many times to no avail! Your response is sheltering them from these criminal charges, as well! Your lack of action makes you responsible for them continuing to perpetrate these crimes! Even though you receive thousands of complaints against them exactly in this nature! This means you are effectively assisting them to injure US citizens financially! Wells Fargo is a criminal institution, and YOU KNOW IT! DO something about it! Or, the FTC might as well not exist! It wouldn't be hard to have Congress cut your existence from the budget! Especially since you do nothing to protect citizens from
unlawful banking institutions!

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 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Billing dispute for services

Complaint:
I pulled a report from Transunion in XXXX and I though I was being charged a one-time fee. Instead Transunion sneakily enrolled me in a subscription, of which I had no idea or memory of signing up for. Transunion does not send monthly emails when a payment is made. No receipts, no notification, that I was being charged every month. If you log into their account, there is no clear indication that you've signed up for a subscription. I looked through these options, 'My profile, ' 'my account, ' 'Payments, ' 'billings. ' None of these options have so much as a note about me being subscribed to their services. If the information is nestled somewhere that is not obviously available to the customer, it is a clear indication that the company is trying to trick you into paying for something they did not completely inform you of. 

Every company I have a subscription with, will send me an email notifications every month when you are charged for the subscription. Transunion does not. Nothing on my account page with this company, tells me that I have a subscription. Where is this information and why is it not easy to find it? What is the reason that Transunion is making this information so hard to find? This is an unscrupulous tactic to dupe poor consumers. 

Really Transunions? You have all the big banks in the country paying you money for your services and you want to cheat poor people out of a monthly charge. THIS IS XXXX. 

They also don't have a complaints department. When I talked to the customer service agent on the phone, she told me they don't have any such services where I can lodge my grievance. How is that possible? FOR A COMPANY THAT DEALS WITH PEOPLE 's MOST SENSITIVE INFORMATION, YOU ARE EXTREMELY deceitful! I want my money back. This is absolutely wrong.

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 2022-03-03
Company: Experian Information Solutions Inc.
State: DC
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:
Im not happy with Experian Customer Service. They didnt get update in my account since XX/XX/XXXX. Im complaining to ask them because its rude on me. My negative accounts keep to stay within 10 years but my debts has paid off and XXXX balance from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. 

Remove off 1. XXXX XX/XX/XXXX. 
2. XXXX - XX/XX/XXXX. 
3. XXXX XXXXXXXX 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 2021-10-15
Company: ALLY FINANCIAL INC.
State: OH
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:
Ally Auto loan XXXX initiated contract date XX/XX/XXXX was paid in full as agreed in the amount of {$15000.00} on XX/XX/XXXX prior to the 72 mos contract date. Ally was initially contacted on XX/XX/XXXX and was told we had to wait until the payment cleared on XX/XX/XXXX for it to be removed from credit report. I called back on XX/XX/XXXX and was advised that i missed the XXXX reporting of XXXX but that it would be sent XXXX to all credit bureaus and not to dispute the account or balance. I called on XXXX and was told that it was sent on XXXX. I checked with all 3 credit bureaus on XXXX and was told nothing was received and that creditors send monthly reporting in electronically and it would hit their system in " real time '' and show on my report. i contacted ally again on XXXX and asked to speak with a manager after I was told I would have to wait until the end of the month for it to be reported. The manager apologized and said she could send me a paid in full letter and creditor letter via email- i received the paid in full but was unable to view the creditor letter. She also said she would send a request over to their credit reporting team to see if there was an issue and follow up with me. I called back XX/XX/XXXX after I checked with the credit bureaus and was told XXXX received the account was paid in full as agreed but XXXX and XXXX had not received notifications since XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. I was told by Rep XXXX I needed to wait until XXXX for Ally to send notifications to those credit bureaus and that she saw the request from XXXX sent by the manager and that there was an update done XX/XX/XXXX. 
I asked to speak with a manager and was transferred to XXXX who said the she would send an updated request to the credit reporting team but that it could take up to 45 days for them to review and resolve. At this point, I have submitted disputes with the credit bureaus and included supporting documentation and was told the company is not responding. I am submitting a complaint to XXXX and CFPB as I believe the company is intentionally misrepresenting my credit account with them and are violating credit reporting guidelines indicating there is a balance owed. As indicated, I have reached out to the company numerous times and have received no resolution within the appropriate time frame and am being penalized for paying my account off early prior to accumulating high interest charges.

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 2017-11-10
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a Discover Secured card back in XXXX of XXXX. It 's now XXXX of XXXX. They advertise that their secured card will become able to unsecure after 7 months, and tell you the same thing over the phone, however in the 16 months I 've had the card, the past 9 I 've been waiting for the card to unsecure. Keep in mind, the only time I made a late payment ( less than 30 days ) was in XX/XX/XXXX - When I lost my car and almost everything I owned in Hurricane XXXX. When I called the company they told me that there was nothing that they could do, no tips they could give, and that the only option I had was to cancel the account - Which would take almost three months to do. 

The reason I signed up for the card was because I was under the impression that it would eventually unsecure. Now I 'm stuck with a tiny, low-balance credit card that refuses to unsecure, and closing the account would probably tank my credit, as it 's one of my oldest cards. This is absolutely unacceptable ; Discover is basically holding my credit hostage after lying to me about the benefits of their card, and there 's nothing they will do to help, nor is there anything I can do. 

Do NOT get a secured card from Discover. They do n't give a XXXX about you, and will lie, lie, lie to get you on the hook.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: GA
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 lost a wallet with all my personal information ID, SS Card, Bank Cards etc. I canceled the bank cards the next day so those were no issue but some months later I started noticing items on my credit I had no knowledge about and at that time I didn't put 2 and 2 together about losing my wallet so I would just dispute the charge to no avail. Later when trying to purchase a home I seen where it listed on my credit that I had a balance from an apartment when during that time I lived at XXXX XXXX XXXX, XXXX in a house not an apartment. I can't do anything with these items on my credit. I have been going back and fourth with with that all the accounts opened up in my name and I just need this to be over. I have collection accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have over 10 Inquiries from places I have no idea about. Credit card closed accounts theres 2.

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 2021-10-15
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I NEVER DID THIS. AND I'VE CONTACTED THEM AND NCA AND THEY WON'T STOP MAKING THREATING PHONE CALLS..NCA THREATENED TO BURN DOWN MY PLACE SAYS THEY DON'T CARE ABOUT IDENTITY THEFTED... I was paying this now r with my life. 
ATTACHED IS IDENTITY THEFTED LETTER TO THEM. NOT CARING THEY SAID..I WILL PAY R I WILL PAY WITH MY LIFE... THEY THREATENED TO HURT ME THE NCA...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Square Inc
State: PA
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 fill a unauthorized payment dispute I still havent hear back from yall by email or still havent got no refund yet here is the dispute information again 1. What is your legal name, XXXX XXXXXXXX, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? XXXX XXXX XXXX XXXX XXXX 2. What are the dates/times and amounts for the transactions that you believe are in error? XXXX XXXX XXXX {$28.00} 3. Why do you believe the transactions were unauthorized? This is the three time I have a unauthorized payment sent to the same user I never sent it to her or don't know her 4. Were you instructed to download any other apps other than Cash App to access the account in question? No 5. What is the make and model of the device ( s ) you were logged into when the transactions took place? XXXX 6. Which city & state were you located in when the unauthorized transactions took place? XXXX Pennsylvania 7. Did you forward or provide any account access information to a third party? No 8. Do you have a PIN set up to authorize payments? If so, did you share your PIN with anyone? No 9. Do you have possession of your device, if not, when did you last have possession of your device? I didn't have possession of my device when I was sleeping before I want to bed I did someone probably guessed my cash app pin who I don't know and changed my pin but I changed the pin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Regarding my XXXX XXXX XXXX XXXX XXXX XXXX Chase XXXX Credit Card benefits include 2 free Club Pass annually as a result of {$95.00} annual fee. The 2 Passes from XXXX expired in XX/XX/XXXX. 

I've been in contacts with Chase Customer Service since last week in request of having the expired passed extended. My reason is making whole lot of sense. Under this global Covid-19 or Pandemic, I and my family don't feel safe to travel in the past 2 years, thus didn't get a chance to use the only benefit of free club pass by paying {$95.00}. 

Unfortunately, my simple and reasonable request was brutally denied by the Customer Service Specialists, XXXX XXXX ( from Missouri XXXX ) and XXXX XXXX XXXX from XXXX XXXX, TX ) yesterday over the phone. Both of them even failed to offer me any other forms of compensation and acted by unprofessionally and coldly. Instead, they both were trying to sell me a different type of credit card which I have no interest at all. XXXX even denied my request of having the contact details of filing complaints to Chase Headquarters by email or USPS mail as I told her it's inappropriate to getting this info over the phone. 

It's very unfortunate to have this kind of poor and cold services from the managerial lelvel at Chase. I'm not going to risk my health and safety to take the advantage of the Club Pass, especially the Pandemic is still dragging on as we speak. 

I demand to be refunded my XXXX card annual fee if the Passes can not be extended. 

Here 's my info : XXXX XXXX Last XXXX digits of my Card # XXXX Email : XXXX Phone : XXXX Passes used or expired within the past 24 months Pass # : XXXX Expired : XX/XX/XXXX Pass # : XXXX Expired : XX/XX/XXXX Please feel free to contact me if you have any questions. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have tried several times to get an accountXXXX XXXX XXXX XXXX and XXXX XXXX removed from my credit report. I am not the owner of this account and have sent letters several times disputing this inaccurate information. The reporting company just keep sending a statement back saying the information has been " verified and updated ''. I have requested the description of the procedure used to determine accuracy to no avail. I have been battling this problem for 90 days now. I need any help that can be provided. 

Kindly, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to XXXX and Transunion. As well as XXXX XXXX XXXX  is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Its been over 5 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting.

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 2017-11-10
Company: Professional Debt Mediation, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX in XXXX XXXX XXXX, Florida. Reporting over {$5000.00} on my credit report fraudulently. I do not owe them any money whatsoever, as I never signed a contract or lease. Several attempts to contact the company with proof of lease have been unsuccessful, and their website now appears as " suspended. '' This needs to be removed from my credit report. This took place in XXXX of 2014.

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 2017-11-10
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received communication about a XXXX debt. I went online and settled for less than what was owed printed a receipt and sent the money order for XXXX via mail with delivery confirmation. I checked my credit report and the amount I paid was only deducted from the whole amount Amsher is still reporting a balance. I checked the Amsher account online and it is reporting an installment payment past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: HW Holding, Inc
State: SC
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 sent certified letters to the credit bureaus via mail time and time again requesting this false information be removed from my credit report as they are not able to be validated under the appropriate guidelines. I sent a certified letter on XX/XX/2019 requesting validation of the debt directly from Hunter Warfield to be provided and 30 days to respond to the validation request. I Received a letter from Hunter Warfield dated XX/XX/2019, where they acknowledged the receipt of my dispute a request for verification. They advised that they had not duty to comply with verification demands. I never requested verification, I requested validation including original signed contracts proving my contractual obligation to Hunter Warfield and/or a complete statement of account as required by law to be considered full and completed validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Dealing with XXXXAES, I can not access links or pages to apply for Income Based Repayment. There process has been to stonewall all of my attempts since  XXXX 2018. This has caused my loans to go into default and my credit score has take a severe dive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: KEYCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I attempted to deposit {$1200.00} into my Keybank checking account via XXXX XXXX. XXXX XXXX. The money was never deposited despite the fact that XXXX XXXX claims to have received a confirmation from Keybank that the money was deposited into my account. It has been two months now and every time I call either party, I just get a runaround. 

Nobody has been able to find my money, it is not in my account, I have spent a collective sixty two hours on the phone between Keybank and XXXX XXXX attempting to get a resolution to no avail. I have no idea what else to do. Somebody from Keybank needs to call XXXX XXXX at XXXX XXXX at XXXX and find my money.

Company response to consumer: Closed with explanation