BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-18
Company: Self Financial Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On Thursday, XX/XX/2021, my XXXX credit card payment was due. The amount due was {$29.00} and that '' s the amount that I paid. It was transacted through my checking account. The amount that I noticed yesterday that was cleared was for the amount of {$57.00} but that's NOT the amount I paid for or approved. This is the second time that this company has dobe something fradulent. I filed a complaint back in XXXX or XXXX with cfpb and with FTC. It was in regards to my loan that I had with this compnay. I've pay all kinds of bills with my checking account and debit card. NO company has taken advantage of my finances but Self and I've had enough! The next stop is FTC and my local police department as well as the state attorney general. I will pay off this credit card and seek to talk with someone from XXXX and XXXX so that I that my credit score will not take a hit due to the negligence of this company. I've had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES 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 status incorrect

Complaint:
It was brought to my attention that a closed charge off account that was charged off back in XX/XX/XXXX by XXXX XXXX was now reporting negatively as an open collection account. I am in the process of purchasing my first home and the underwriters wanted to know about the collection account that was reporting on my credit bureau from Portfolio Recovery in the amount of {$2400.00}. I called XXXX XXXX to have a letter sent to me stating that the account was charged off back in XX/XX/XXXX and they stated that they could not do so. Today, XX/XX/XXXX, I receive notification that I have a new negative remark on my credit report and to my surprise, Portfolio Recovery is now reporting the account as " OPEN '' and that it is an active collection account, 3 years after the account was charged off by XXXX XXXX. This is delaying my ability to get my first mortgage and this company is not willing to send my last statement that I had with XXXX XXXX so I can provide proof that the account was charged-off. The reason for my complaint is because of this company 's deceptive and unethical reporting practices causing the once 3 year old closed charged off account as an open and active collections account. I would like for this " collection account '' to be taken off my report completely due to their manipulative, deceptive, and unethical ways of doing business and for not providing me with my last statement that I received from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: EQUIFAX, INC.
State: TX
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:
My credit report for XXXX and Equifax has dropped by 60 points since XX/XX/2021 for no reason. I have paid off a car loan to XXXX  XXXX since last month. I paid off all of my credit cards except for one. I refinanced my home from 3.25 to 2.25 %. The one credit card that I opened has a 16 month intro at 0 %. All of these positive points have been done since XXXX and yet my score goes down 60 points. This is unacceptable and needs to be reported. I contacted XXXX to find out why my report went down and could not get an answer from them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
We made an online purchase at bestbuy.com on XXXX  using the Best Buy Citi credit card for interest free for XXXX  months. The total charge per my email received was XXXX.  The appliances were delivered XXXX. Upon installation, the refrigerator did not fit in our home and had to be returned XXXX).  My first bill was received in XX/XX/XXXX, showing a balance of XXXX. I noticed two charges of XXXX on this bill at the time and called in, this started by journey with the companies.  Over the next several months, we tried disputing the charges, reporting fraudulent use, etc.  Best Buy, Best Buy.com, and CITI cannot confirm charges that we are not aware of. We had one charge and I am still finding a discrepancy of XXXX, which has been sent to Citi. We had a supervisor with Citi that promised to resolve and agreed with my research on payments, charges, returns and at this time, they are not responding.  I have advised CITI and Best Buy if they can confirm all charges on our card, since the only charge we did was on XX/XX/XXXXand they prove they are ours that we authorized, then we have no problem paying the balance, however, in my research on the charges, return of the refrigerator, and payments, we are being over charged XXXX. It is baffling that no one at Citi, XXXX, or XXXX can confirm all charges. I have spent several hours working on this with the three divisions and get bounced from one area to another without warning and referred to the next department and back to the original. XXXXXX/XX/XXXX
-XXXX  XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>
XXXX XX/XX/XXXX
-XXXX XX/XX/XXXX-XXXX XXXX 
XXXX XX/XX/XXXX-XXXX XX/XX/XXXX-XXXXXX/XX/XXXXXXXX credit for disputed charge
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX  XX/XX/XXXX
XXXX XX/XX/XXXX-XXXXXX/XX/XXXX
XXXXXX/XX/XXXX
XXXX  XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
= XXXX is what my calculations come up with

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 2021-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have multiple inaccurate listed on my credit I have tried mailing and disputing without any luck that was XX/XX/2020. I have also called XX/XX/2020 and I was not verifiable with a my valid GA License. I placed a freeze on all my credit information and received mail from the company in someone else name. Which I requested to remove in XX/XX/2020. I have a Bankruptcy on my public records which is not mine. Address that are not mine and have been reported as fraud, they are still on 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 explanation
Consumer complaint received 2022-02-11
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This is related to my XXXX  XXXX XXXX, that I purchased from XXXX XXXX in XXXX, SC. It is financed through TD Bank Auto Finance. I have fallen three payments behind and have the means to get a payment plan, to bring the account current. However, TDAF will not negotiate, instead they have 5 or 6 undercover cars following me every day since the third week of XXXX. On XX/XX/XXXX, they broke into my vehicle illegally, and stole my expensive XXXX cell phone -again, an illegal act. Now I got word over my computer that they have used the XXXX XXXX cell phone to access my work email. This work email contains highly sensitive info on clients with the South Carolina XXXX XXXX XXXX XXXX. All around, outrageous behavior. Not to mention driving their loud, ugly cars through the neighborhood all hours day and night. 
No phone right now ( TDAF repo goons have it ) so send email to : XXXX Signed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hi, I opened a Coinbase account in XXXX. Fortunately I only put in a XXXX  XXXX pounds in and I was impressed that the value had increased remarkably. However in XXXX I had message on my account saying account is under review and that it would take a few days. It's now become a joke because my account is still under review. I have reached out to coinbase on three occasions but I have had no answers. The case numbers are XXXX, XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-13
Company: William D. Meeker Enterprises, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello : A company by the name o f CIC Credit  pulled my credit reports from all  XXXX  agencies (   XXXX  ,  XXXX  and  XXXX   )  on   XX/XX/XXXX     without my authorization - I do n't even know who the company is. I have called the company several times to find out who they are and why they pulled my credit without authorization, however I just keep getting forwarded to someone in the company that the call just goes to voicemail. I have left several messages requesting a call back with no response. This is very frustrating, as these hard inquiries hurt my  credit score  and it is extremely unfair that a company will/can do this knowing that these inquiries lower my score and without my authorization.  <P/> I am a subscriber to   XXXX   XXXX   XXXX   and they send alerts immediately when there is a change to your score - that is how I found out about the inquiry and also company information. Please see below for the company information and advise how we proceed now. My goal is to resolve this by the hard inquiries being removed from my report - Thanks in advance for your help!  <P/> Company Info :  CIC Credit   XXXX   XXXX   XXXX   XXXX , TN  XXXX  (  XXXX  )  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: MORGAN STANLEY & CO. LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have dealt with Morgan Stanley Private Bank on numerous occasions. They charged me for insurance that I didn't need and have fought for years to correct it. I actually had someone tell me that I can't fix that because we didn't service the loan at that time even though MS via XXXX serviced the loan. I've had numerous phone calls lasting more than an hour trying to explain the situation to get it corrected and every time I call its like starting over. I have been told on at least 6 occasions a MSPB supervisor will call me back and have never once had anyone call me back. I requested a simple document three times and was told repeatedly it will be to you in 24-48 hours. Its a week later and it is holding up a refinance that I am doing. Are they doing it on purpose so I can not refinance? The service people do not have the ability to transfer you to a supervisor. Entire departments don't take phone calls. No one will accept responsibility to take care of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have over 84 inquires from car companies all over the united states. I advised all 3 credit reporting bureaus that there is no way I asked for all these attempted accounts. The items have still not been removed from my credit reports and I submitted letters asking them to be removed or I would come to the CFPB.

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 2021-08-20
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT FILE. THOSE ACCOUNTS ARE UNAUTHORIZED AND WERE INACCURATELY PLACED ON MY CREDIT FILE. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS AND INQUIRIES OFF MY 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 2022-02-11
Company: BARCLAYS BANK DELAWARE
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:
My problem is with a Frontier Airlines MasterCard. On XX/XX/XXXX I noticed charges for {$850.00} from XXXX XXXX and a charge for {$53.00} from XXXX XXXX XXXX. on my card statement online I check my account everyday. I immediately contacted the credit card company to report these as fraudulent charges. They said they would investigate. Today, XX/XX/XXXX the charges were again posted to my account. I again immediately contacted my credit card company. They said the charges were correct. They had proof that I had made the purchases. I explained that this was simply not true. I wanted to know what proof they had They said these were tickets purchased that were send to me with my name and mailing address, This is a complete lie. I never received any tickets, as I did not make the purchase. When I ask them to verify the name and address they were sent to, they would not do this. I have filed a police report and again disputed this charge. I contacted XXXX and put a fraud alert on all of my credit accounts. This issue needs to be resolved I did not make these charges. I was told to contact the merchant, but this is impossible, because when I call them they want an order number, which I do not have Or then they want my email address, which they say does not match anything on their records. Then they want my zip code, which again they say does not match So what I want to know is what proof does my credit card company have, I do not plan on paying for these fraudulent 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 2021-09-18
Company: U.S. BANCORP
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
A US bank prepaid card with {$100.00} was under my name by someone I know. They used my name and my personal information to get this card. i did not consent or know anything about this until i got mail with my name on it about this card. the card doesnt expire until XX/XX/23. and the person hasnt used it yet cause they didnt know i have the mail about this card. i have never used a debit/credit card in my life. this person already has me in a lot of debt, i dont want to deal with more of this type of stuff.

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 2019-10-16
Company: EQUIFAX, INC.
State: TX
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 WRITTEN TO THIS UN KNOWN CREDITOR, AND ALL 3 CREDIT BUREAU 'S INCLUDING FILING WITH FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I realized that my Wells Fargo debit card was missing. Upon checking my Wells Fargo accounts I noticed several unauthorized transactions on my both my checking and savings account that were made using my debit card. I called Wells Fargo immediately to report my lost debit card and report the unauthorized transactions which totalled {$5800.00}. They canceled my missing debit card, issued a new debit card and filed my dispute claim for the unauthorized transactions. On XX/XX/XXXX I received a call from a Wells Fargo claims investigator who told me that since my PIN was used with the debit card to make the disputed transactions they considered the transactions to be made by me or authorized by me. When I asked to appeal the decision because I did not make nor authorize any of the disputed transactions I was told the decision was final and I could not appeal it. A few days later I received a letter from Wells Fargo stating that my claim was denied because they considered the transactions to be authorized since they were made using the debit card with the PIN.

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 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After many hours of studying the law and research of the protection consumer laws, I have sent several letters to Transunion XXXX and XXXX regarding fraud on my credit report related to an address in XXXX, IN. Four XXXX XXXX student loan unverified with no contract or proof, with a letter from the Office of XXXX XXXX. The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have two fraudulent bankruptcies 1 on XX/XX/XXXX and the 2nd on XX/XX/XXXX. In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to the Consumer Financial Bureau to get assistance when these agencies are n't following the proper rules laid out by Congress in the FCRA and FDCPA.

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 2018-01-02
Company: AES/PHEAA
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: Account status incorrect

Complaint:
I have reached out to XXXX to discuss inaccurate posted information that has been reported to my credit bureau ( s )  with no actions taken to correct the inaccurate information by XXXX. 

My student loans have been unfairly and inaccurately posted 90 days late to all 3 credit bureaus and XXXX will not remove the incorrect information after numerous phone calls and letters being sent to the XXXX credit department. 

I feel that my loans have been unfairly and inaccurately reported because I was never notified via US Mail nor telephone call by XXXX. My loans have always been in deferment since my departure from University due to health issues related to me being confined to a XXXX and issues surrounding my XXXX XXXX injury. 

XXXX is saying I was 90 days late and the only reason I found out about this information is that I was alerted when my credit score dropped over 390 points one day.  Unbeknownst to me, XXXX is stating that the sent me a message to my inbox on XXXX website. I do not check this website ever, never have. And no one has ever told me that I need to check this website on a monthly basis to check the status of my account with XXXX. 

XXXX unfairly reported me to the 3 major credit bureaus and has ruined my credit to the point I may not be able to move from one apartment to another this summer when my lease is up. My score went from a XXXX to XXXX overnight because of their unfair billing tactics and failure to properly notify me that my loans were no longer in deferment. 

Since the unfair credit reporting incident. I have filed multiple applications with XXXX in order to get my account back into deferred status. This process is lengthy and time-consuming and all computer-based meaning you are unable to speak directly to a human being in regards to the status.You just have to wait. This unfair process caused me to accumulate more late months because their process is slow and unfair. After three months of trying to get my accounts current and back into deferred status, I was denied and I was able to submit an Income-driven repayment plan of which I was ultimately approved for. Monthly payments are now {$0.00} for the next 12 months based on my current income. 

I reached out to XXXX and told them about the inaccurate reporting and they have denied multiple requests to withdrawal their inaccurate and unfair reporting to the credit bureaus and I feel this is completely unfair. 

Please assist me in having XXXX remover the Negative reporting for all of my loans that have been reported to ; XXXX, XXXX, and XXXX. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation