BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The three credit bureaus continue to allow XXXX XXXX XXXX to report XXXX medical bills on my credit profile, due to HIPPA violations, but they refuse to fix the glaring issue. This collection agency is revealing specific information about the medical facilty where the bills originated to be seen by potential creditors. My medical information is private, and this collection agency continues to violate my rights of protection, covered under this federal law. I have made repeated attempts to have the credit bureaus take action to correct this issue, but they continue to be complicit in allowing this collection agency violate federal HIPPA law.

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 2020-11-12
Company: PENTAGON FEDERAL CREDIT UNION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been locked out of my penfed checking saving and line of credit account for several weeks. I have sent in my documents I have done everything I can do and Im still locked out I have a dispute open for global coins roughly XXXX or so dollars was taken from me. I cant check my account balance or anything everything is locked. My overdraft line of credit is over the limit and i cant pay on it i did try to pay some bills and spend money I was expecting a irs direct dep and it never came they have sent back my paments and have cost me several hundered dollars in fees my XXXX  XXXX was shut down becuase they are sending everything back as fraud when the only thing i disputed was global coins I am sending all the forms to you maybe you can get them to help me im also sending you a financial hardship app to send to them please note my id is currently for mo i am working on getting it replaced

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 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2021, I filed an dispute about incorrect information showing on my credit report and it's be well over 30 days and I haven't received any investigation results.

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 2021-07-14
Company: Experian Information Solutions 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:
The three credit bureaus continue to allow XXXX XXXX XXXX to report XXXX medical bills on my credit profile, due to HIPPA violations, but they refuse to fix the glaring issue. This collection agency is revealing specific information about the medical facilty where the bills originated to be seen by potential creditors. My medical information is private, and this collection agency continues to violate my rights of protection, covered under this federal law. I have made repeated attempts to have the credit bureaus take action to correct this issue, but they continue to be complicit in allowing this collection agency violate federal HIPPA law.

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 2022-08-12
Company: Block, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I inadvertently disassociated my mobile number with my CashApp account on XX/XX/2022 which had a balance of approximately {$500.00} and completely lost access to these funds. I attempted to recover my account by contacting CashApp support and providing my account information. They claim they were not able to successfully complete the recovery process and said they could not assist me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Weve asked this company Target, to send us the following through your agency CFPB. They did not give us a signed contract with my name on it, or a pay off disclosure, or interest rate disclosure, or balance history, or payment history, or a copy of a check from me, or credit insurance, all being asked as of XX/XX/XXXX. 
Now they report I opened this account with them XX/XX/XXXX, and that is four yrs and that is the STATUE OF LIMITATION in the State of Pennsylvania where Ive always lived, so this must be removed from my credit report by law and all pursuing of any debt must stop by law!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: AMERICAN EXPRESS COMPANY
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: Other problem

Complaint:
1 ) I spoke to a female manager 2-3 days ago about the {$31.00} credit sitting in my XXXX XXXX XXXX. I requested the manager NOT to send me a check but to put the money in my bank account, the bank account details are already set up in my American Express account. She said it would take take upto 3 days for the redeem to complete and then once the amount shows up in my card, she will wire the money in my bank account. I told her I am currently overseas and gave her my overseas mobile number and she said she will call me in my overseas phone number and confirm me on the wire. Never got a call back from her. Then a day later received a message saying there is not enough money in my card to be sent to my bank account.

2 ) Called American Express today and the female representative says that email was sent before the amount showed up on my card. She then asks me to provide my bank account details and the routing number to her on the phone. I told her my bank account details are already set up in my Amex account. She said I still need to give her my bank account details on the phone for her to put the money in my bank account. She said she would not tell or give my bank details to anyone and that I can trust her. ( What she was saying, these kind of things normally come from scam calls we receive on our phones sometimes. ) She sounded very suspicious and strange. I hung up the call and call again.

3 ) I ask for a manager directly and I was put to a male supervisor. The supervisor said the system is not letting him transfer the money to my bank account. He said he will speak to the first manager.

1 hour on phone call with Amex and I could not get my {$31.00} transferred to my bank account. This is not what we expect from American Express. Exactly how much of XXXX do I need to take to get this money sent to my bank account!?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-15
Company: South Carolina Student Loan Corp
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: Account information incorrect

Complaint:
I've been trying to dispute matters with the student loans XXXX, SC State and XXXX inaccurately reporting late payments. This been going on since XX/XX/XXXX. They keep saying they don't have any late payments and I've been clearly sending them reports showing all the XXXX day late 's and its hurting my credit really bad. I had Covid-19 this year and it affected me tremendously but then I also had my loans consolidated recently. They are just reporting inaccurate information on my credit report and it has to stop. By law I have rights and they are abusing the credit law 15 U.S. Code 1666 ( b ). I need all those late payments removed from XXXX from XXXX, SC State and XXXX because this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: CITIBANK, N.A.
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: Public record information inaccurate

Complaint:
account was removed & was part of Bankrupcy chapter XXXX in 2026 Case #  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 2021-07-15
Company: AES/PHEAA
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: Account information incorrect

Complaint:
I've been trying to dispute matters with the student loans XXXX, SC State and Fedloan inaccurately reporting late payments. This been going on since XXXX 2021. They keep saying they don't have any late payments and I've been clearly sending them reports showing all the XXXX day late 's and its hurting my credit really bad. I had XXXX this year and it affected me tremendously but then I also had my loans consolidated recently. They are just reporting inaccurate information on my credit report and it has to stop. By law I have rights and they are abusing the credit law 15 U.S. Code 1666 ( b ). I need all those late payments removed from XXXX from XXXX, SC State and Fedloan because this is inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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 noticed a charge from XXXX XXXX XXXX dated XX/XX/2021 - I contacted Capital One regarding this. The agent stopped my card and sent a new one to me ( which I now have as of today, just need to activate ). 

The agent did not perform a Regulation E Error Resolution, rather just stopped the card. I know of this due to the fact I had not heard back from Capital One. I contact Capital One again yesterday XXXX XX/XX/XXXX XXXX to see if there was an update on the investigation or if they have issued any credit. The first agent that I reported the activity to had not informed me to provide a written statement in order to receive a provisional credit. 

The agent on the second call XXXX XX/XX/XXXX XXXX informed me she would begin the investigation process and issues a provisional credit. 

I was under the impression this process was started and would be resolved. I would have resolved this myself, however XXXX XXXX XXXX was sending me directly to the XXXX Texas location which I had no visited in months. I do not recognize the charge and have not authorized anything lately for XXXX on my Capital One Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed this account with all three credit bureaus, and none of them have sent me the documents that they received on the collection company owning this account or any documents so I'm able to verify the account is mine. When I call over the phone they say it's verify. The company is XXXX XXXX XXXX XXXX in the amount of XXXX opened XX/XX/2016 and it's in collection. According to section 609 in FCRA they have to show me some type of documents showing the account is mine or Delete account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: JPMORGAN CHASE & CO.
State: PA
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 XX/XX/XXXX a Chase Plan was set up to pay off a charge of {$2400.00} over 6 payments at the rate of {$400.00} in principle payment plus a {$14.00} monthly fee. On XX/XX/XXXX a second Chase Plan was created to pay off a charge of {$2400.00} over 6 payments of {$400.00} in principle payment and a {$15.00} monthly fee. The first payment for each plan was listed in the XX/XX/XXXX statement, with payment due on XX/XX/XXXX. The overall credit card balance was {$6600.00}. The interest saving balance due on XX/XX/XXXX was {$2600.00}. The minimum payment was {$870.00}. A payment was made on XX/XX/XXXX, for {$870.00}, and on XX/XX/XXXX, for {$3400.00}. The XXXX statement indicated that the first Chase Plan had a remaining principal balance of {$320.00} with one payment remaining. Chase had taken the overpayment of {$1600.00} and applied it to the Chase Plan instead of my overall balance of the new purchase. This practice of applying overpayment to the Chase Plan instead of the outstanding balance of purchases continues until the first plan was closed, early and the second plan as of XX/XX/XXXX has one remaining principal payment of {$210.00}. I have now had an outstanding overall balance of {$4700.00} that I will be changing {$63.00} for interest. Chase Freedom stated the overpayments went to the Chase Plan, without my permission or request creating an unpaid balance of charges. Chase refuses to rectify the situation by either A : crediting the purchase balance and correcting the principal balance to be paid off on the Chase Plans or B : waving the interest fees on the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, A text message was sent to me from XXXX stating, " Wells Fargo Fraud Alert- Did you attempt a XXXX XXXX for the amount of XXXX. Reply yes or no. '' I replied no and then a woman called me from XXXX. My caller ID listed the number as Wells Fargo. She identified herself as a Wells Fargo member and said my account was attempting to be hacked. She got me to give her my account information and transfer XXXX to " myself '' using XXXX thru my banking up. I have never used the XXXX app but she talked me thru how to use it thru my Wells Fargo app. I was hesitant at first but she convinced me it was completely safe and necessary in order to not have my account hacked. She then hung up and I called the number back. It went straight to Wells Fargo and I talked to someone and they informed me that I was scammed out of XXXX. I filed a fraud report with Wells Fargo within XXXX minutes of the transfer but they have since denied my claim. The same women called me the next day to try and get more money out of my account. I hung up on her the 2nd time.

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 2022-08-12
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
We were not used to borrowing before we bought our car back in XXXX, so we had not built enough credit before we contacted Santander for part financing to buy our car. They offered a very high interest rate and refused to refinance to a lower rate even after our credit rating improved to between XXXX and XXXX. 
So Sometime in early part of XX/XX/XXXX, we contacted another auto finance company to refinance our car loan which we have had with Santander Consumer USA for 2years. 
The new auto finance company requested Santander Consumer USA to provide them with the amount of our auto loan balance to enable them pay it and take the loan over at a much lower rate. 
Santander Consumer USA provided them with an overstated loan balance than what we actually owed. 
As a result, in XX/XX/XXXX, the new auto loan company sent a check to Santander Consumer USA in the sum of the overstated loan balance they were provided by Santander. 
Santander Consumer USA then sent us an acknowledgement letter in XX/XX/XXXX of the payoff in settlement of our account with them, and they further explained in the letter that they will reconcile our account and send us a check for any overpayment difference by XXXX XX/XX/XXXX. 
We called them after the refund check wasn't sent as promised in XXXX. We were told it will be sent by XXXX. We called again when we didn't receive the check in XXXX. 
Its now mid XXXX and the check has still not been sent, which is why we are filing this complaint. 
To send official correspondence or checks even by USPS, it usually takes 5 working days to any location within the US. 
We believe Santander Consumer US is being dis-honest in this case and this may be their mode of operation to intentionally hold on to funds belonging to others, longer than they should, as a source of funds or cashflow to advance their business objectives, at the expense of consumers like us. 
We will appreciate your assistance to recover the sums owed us please. 
Kind Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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: Personal information incorrect

Complaint:
Address are wrong and dont belong too me I left some links and my id so please remove the wrong address

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 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I believe I am a victim of Identity Theft. I pulled my reports from all three credit bureaus recently and they all had accounts that I did not recognize as well as inaccurate personal information.

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 2021-11-06
Company: ALLY FINANCIAL INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My ex boyfriend and I each opened bank accounts with Ally inXX/XX/XXXX so we could transfer money to each other easier and keep track of it. He apparently used my social security number to open his as well, although I made it clear I did not want a joint account and opened my own personal account like we had discussed. I recently got an email saying the account was overdrafted which confused me because I never actually even used my own ally account since opening it. I called the bank and they said my social security number was submitted when he had opened his own personal account, which I specifically did not authorize. In order to close out the account the remaining balance must be paid off.

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 2020-11-10
Company: EQUIFAX, 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:
CREDIT REPORTING AGENCIES VIOLATED " FCRA '' SECTION 607 AND 609 REPORTING INCORRECT DATA OF ACCOUNT STATUS ... .PUBLIC RECORDS NEVER HAD ANY BANKRUPTCY AND ALL OTHER ACCOUNTS " PAID IN FULL '' / NEVER LATE ... .ACCOUNTS HAS {$0.00} BALANCE : " XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX '' ... ... NOTE : XX/XX/XXXX FILE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Scratch Services, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a XXXX loan which was forgiven but the company continues to say I owe money even though they sent me an email months ago saying the debt was forgiven. I have left voicemails, emails and tried calling and cant get a hold of anyone nor do they ever email or call me back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
CREDIT REPORTING AGENCIES VIOLATED " FCRA '' SECTION 607 AND 609 REPORTING INCORRECT DATA OF ACCOUNT STATUS ... .PUBLIC RECORDS NEVER HAD ANY BANKRUPTCY AND ALL OTHER ACCOUNTS " PAID IN FULL '' / NEVER LATE ... .ACCOUNTS HAS {$0.00} BALANCE : " XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX '' ... ... NOTE : XX/XX/XXXX FILE 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