BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a credit card account that is XXXX XXXX XXXX that they will not remove. I have disputed this repeatedly. The date opened is XXXX 

There is also a original account from XXXX that was bought from debt buyer. The dates are wrong. I have submitted documents to them of original account. I'ma XXXX XXXX and XXXX. My ex husband transferred the contract with XXXX XXXX after we separated. I didn't know he was going to divorce me by public notice. That was not the plan we had in place. It was a dirty truck so he didn't have to pay alimony or help pay the debts he racked up on the credit I opened bc he had a poor credit score. This was all calculated on his end. He had a girlfriend and I didn't know at the time. Some of these accounts and loans I opened and he used .. and I got left. Anytime I try and dispute anything.. and experian won't verify anything. I feel victimized all over again. I never got to go to court after being married to this man after 20 years. I found out after going to the XXXX XXXX on XXXX. If that judge wanted to find me.. he could.. I was with a friend. Bc I was sick.. emotionally and physically from the abuse and stress. Me and my ex and kids still talked, text. And he claimed I went missing and the judge bought it. Unbelievable. Im nauseous thinking about it. He took my youngest son to a different state. He kicked me out of our accounts. We had a discussion before I went and Stayed with a friend. Then he started taking my son 's XXXX. My son never had things he needed. Even when he turned XXXX and the check was supposed to go directly to my son. It ended up in my exes hands. My son was still in high school at XXXX. My son had a work. Me and my mom had to send him money constantly. And this man makes XXXX figures. I called social security several times. Last time they wouldn't talk to me said he was XXXX. My ex has bought boats and other extras when I don't have anything. My son has had to work. My oldest son is a XXXX and he has stolen money from him when he's been deployed. This is the piece of XXXX we're dealing with and no one does nothing about it. When we were together. I made sure the XXXX  money was spent on THEM. They got almost {$400.00} each. Then after my oldest son turned XXXX. My youngest son was getting almost XXXXit went to my ex. And me and my mom constantly sent money. Im below the poverty level. She is XXXX. On social security and she works. Afraid to say anything to him. He makes XXXX figures. XXXX XXXX. He divorced me the way he did bc he didn't want to pay alimony or child support. He painted me as something I wasn't. He is XXXX. and steals from his children.. and I'm left with debt he racked up. Im so over 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX ( account # XXXX ) ( account # XXXX ) ( account # XXXX ) ( account # XXXX Have violated my rights. 

15 U.S.C. 1681 section 602H states I have the right to privacy.

15 U.S.C. 1681 section 604H section 2 States a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/22 I sent a written letter. It was sent certified. I requested for wrong information to be verified. I received no response. It has been over 60 days. According to the law, these items MUST be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
So my credit report had a couple of errors on it recently they are all fixed now but this synchonary does want to hear thst and they closed my car care account completely and dropped my limit on my T.J.Maxx card u am asking to reninstste and the won't budge I told them my credit is fixed and there is no more derogatory items but they don't care and said the final decision is still final I had errors on my credit and they are not listening at all

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 2021-07-05
Company: SYNCHRONY FINANCIAL
State: NY
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:
Sir, I purchased phone on XX/XX/21 from XXXX XXXX XXXX XXXX order # XXXX {$210.00} .Item old model & Return approved by seller & provide me XXXX prepaid return level. I return XX/XX/21 Received by seller Trunking # XXXX XXXX XXXX XXXX XXXX XXXX Proof attached. 
But I called many times XXXX XXXX  XXXX phone XXXX XXXX for refund money to PayPal credit. I disputed to PayPal credit card also but Cust. Support many times They are also not solved my problems. Whats wrong I dont know Thats why I need your help & investigation to take action to XXXX XXXX XXXX to refund {$210.00} to PayPal credit card. PayPal credit card is not helping I provide trunking Nos for proof of return item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

12. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

13. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11 XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

14. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11 XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

15. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10 XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received a text message advising that Power Finance accepted my loan request. I tried to call them to report fraud and advise that I never applied. I could not get to anyone and they advised they would charge me to speak to a supervisor. I receive a name of XXXX to speak with, left her a voice mail on XX/XX/XXXX with no return call. Then on Monday XX/XX/XXXX I receive another solicitation asking if I could finalize my loan. I advised them that this was fraud, I never applied, and that they should remove any application they have under my name or social security number. She advised she would note my file accordingly. Today XX/XX/XXXX I received another call asking if I wanted to finalize my loan. Not only in this fraud, but it is continuous. How do I get to the bottom of this, so no loans can be taken out in my name?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Commencing on or about XX/XX/2022 and ending on XX/XX/2022, I, a Wells Fargo Bank account holder, fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account at Wells Fargo Bank via debit card and through an intermediary named " XXXX  '' in the total amount of XXXX USD utilizing Wells Fargo Bank services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
To Whom It May Concern, I was recently looking over my accounts and credit utilization and noticed on my XXXX, XXXX XXXX and XXXX account I am on are all currently missing from my credit report on transunion & XXXX  but it is on XXXX. In the documents I will show how on XXXX  reporting agency it shows all my accurate information but the other 2 companies do not. I have called each of these companies and they said the same thing that they reported to the credit reporting agencies I am unsure as to why XXXX  only reported and not transunion and XXXX. The first document attached will show the inaccurate information from Transunion & XXXX  and the second document will show the correct information that they need to update.

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 2022-07-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
CARD WAS USED TO purchase gift cards XXXX said I needed to get a refund but I was not talking to XXXX it was a fraud telepnone number I was directed to Now the bank will not answer their phone!! Comenity Bank XXXX XXXX  XXXX XXXX I had to buy XXXX XXXX XXXX  cards and XXXX XXXX XXXX total {$1700.00} Comenity Bank will not answer their phone - been trying for 3 weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Genesis FS Card Services, Inc.
State: NC
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:
On XX/XX/XXXX documents were sent to request a loan on the amount of {$1000.00} I declined this amount and a new document was sent for {$2000.00} by FEB/XXXX-RETAIL Account number XXXX. FEB/XXXXRETAIL under united medical states that I owe {$3000.00} of a {$4000.00} credit limit. Customer service has confirmed the amount of {$2000.00}. I also have receipts from the merchant I used the funds with which stated the lender directly send them {$2000.00} the all additional funds were paid directly by me. Id like to have the inaccurate information deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For the past year, I have continuously disputed the referenced account with the three credit bureaus. All medical bills should have been covered by my health insurance at the time. I was receiving medical assistance through the state of Pennsylvania during the DOS. This bill is not my responsibility. I sent several disputes to the agencies and they have failed to provide validation of the debt, the account was removed from two of the credit bureaus but it is still being reported on my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Coinbase, Inc.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018, Coinbase withdrew {$140.00} from my checking account despite me not having done anything to justify this They claim this is a problem with XXXX however XXXX states that this problem is exclusive to Coinbase and no one else they serve is experiencing a similar problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX  XXXX No. : XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX No. : XXXX, has violated my rights. 

XXXX XXXX XXXX  XXXX No. : 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: ALLY FINANCIAL INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an account with Ally Bank. In XX/XX/2022, my account with Ally Bank was restricted. I called to get details of why my account was being restricted and was told a depositor had recalled their deposit and that my account would be investigated. I called multiple times and each time I was told that the investigation was ongoing and could take up to 30 days and that most likely my account would be closed. I asked for more information, but could not get any more information. I asked to speak to the investigator, but could not. I asked for a call back and was told they would try to get him to call me. I did not get a call back.

I called I called again and was told that my account had been closed that day. I asked for details and was told that I would receive a letter, but did not. 

I have tried several times to have the balance of the account returned to me with no success. I was told today that any money in the account would been returned to me and the person I was speaking to hung up on me. There was in excess of {$20000.00} in the account after the money was returned to the depositor who recalled the deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX-XXXX-18 I emailed that XXXX XXXX tried to take the payment from my savings ( this has never been authorized. I setup the automatic payment to be pulled from my checking which has been pulling until the past couple of months ) and that because they pulled from my savings and not my checking that they caused me a {$28.00} fee from my bank and that now I will be charged a return fee by them. 

Their response " You can change the routing or checking account number from which your online credit card payment will be debited the next time you make an online payment. Simply select " Payments & Transfers ' at the top of the page. Click the " Add a new account link located under the " Form '' dropdown menu to enter the new designated bank account information. Once you click " Submit '' you will have the opportunity to immediately make a payment from the updated information. Please note, your new acct information will not be saved until you make a payment using it. If you need further assistance, please call us at XXXX or send us an email. 

My response through email " You are missing what I said. I did not at any time change it to pull from savings. I do not want to be charged a late fee by you. I also want you to refund the {$28.00} fee I was charged by my bank. You can do the research to see I authorized the payment to automatically be pulled from checking. I have NEVER authorized the payment out of savings. Please let me know when you will be refunding the {$28.00}. If you are not able to I will look to talk to a supervisor and possibly an outside company that can look into the fraud that has taken place.

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 2022-07-19
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
The CRA 's ( XXXX, Equifax, and XXXX ) have refused to communicate via phone, letters, or internet on why my account is frozen. I have sent in paperwork without getting a response. I have called ... each CRA has refused to rectify this situation. My credit report has not been updated in over 9 months. I have creditors calling me about accounts I have not opened. I need this situation to be corrected. I need help. Please reach out to me @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I got a letter in the mail today from Navy Federal Credit Union, which I've never heard of before, with a debit card associated with a savings and a checking account. I have not opened any such accounts. Apparently they did this all on their own without my knowledge or consent. 
I scanned the document with the debit card attached and have attached it to this complaint. I think all the information you need should be on that. I don't know anything more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
sent them a request to validate the alleged debt on XX/XX/22 certified mail they failed to send the proper validation of debt within 30 days further more they sent my private medical records to me with out proof of my authorization for them to release them and or any type of contract and form Bering my signature giving them authorization to have and or release my medical records, there for the debt is un-validated and they have failed to validate the debt and are in direct violation of HIPPA privacy act and are not cfpb or fdcpa compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: DISCOVER BANK
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Sent credit cards in the mail from XXXX  XXXX, XXXX of XXXX, Discover, XXXX XXXX, and XXXX that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
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:
My XXXX  credit report shows a hard inquiry on XX/XX/2017 from Citizens Bank ... their contact information is as follows : CITIZENS BANK XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX I have not now nor ever had any business with Citizens Bank and would like to have this hard inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
They are constantly locking my prepaid card claiming its fraud then putting a person on the line that doesn't speak English

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