BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.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 2021-02-02
Company: EQUIFAX, INC.
State: VA
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've had prepaid cards to build nothing less not more had a split account once but was removed have had felens that could matter need help then please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Klarna AB
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Id like to raise a formal complaint against klarna services. My account number with Klarna is XXXX. 

History of my case : I made a purchase fromXX/XX/XXXX for the amount of {$8200.00} split over 36 months resulting in a monthly payment of {$220.00}. 

Before my order was shipped, I ended up canceling a few items which resulted in a refund being generated for {$5800.00}. 

As a result my outstanding amount was supposed to be {$2300.00}. Since the refund has been made, I would expect Klarna to adjust the new balance and REDUCE my monthly payments to {$2300.00} divided by 36 to {$66.00}. 

Heres the current issues and questions at hand : 1. Even after reaching out to chat agents and customer service over phone call multiple times, why has the new monthly payment amount not been adjusted accordingly? 

2. Even though my autopay was disabled and my interface shows no payment due - - how did Klarna deduct money from my linked bank account for the recent wrong amount of {$220.00}?????? This deduction was completely unauthorized as autopay was disabled and no minimum payments were showing as due XXXX {$0.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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 belongs to someone else

Complaint:
These are not my accounts or inquires

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 2020-11-16
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: Was not notified of investigation status or results

Complaint:
I have disputed several accounts from my credit report with Equifax, XXXX, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I became aware that my business partner had removed me from our business accounts after making exaggerative and false claims to the bank. The bank holds the operating agreement and never contacted me allowing her to not only remove me from the accounts, but to put old accounts on hold and open a new business account with only her name on the account. 
They have said that because I was not listed on XXXX here in florida as an owner on the account, but allowed up to keep running the account stating that the operating account was good in all it stated. The bank Manager of the XXXX XXXX branch XXXX XXXX had told us that the agreement needed to be updated to make it clear so my business partner and I did correct the document to meet the needs of the bank. 
Upon my partner, XXXX XXXX being made aware for a final time she needed to correct the way she was billing XXXX by me becoming aware she was breaking the law she went to the bank and had me removed. XXXX XXXX went to meet with XXXX along with her ex husband and claimed many false things and XXXX the manager of the XXXX XXXX XXXX branch at XXXX XXXX XXXX then proceeded to remove me and then he refused to speak with me about the matter in any detail at all. 
I then contacted the small business banking 1800 number who stated this seemed to be wrong on XXXX 's part as Forida law does count the operating agreement as ownership notice and the agreement clearly states 50/50 voting rights as well. I then found my way up to speak to XXXX XXXX who met with PNC banks attorney 's and came back saying that XXXX had made a correct choice in removing me. After speaking with the state they have made it clear that they should not have removed me in this manner and even more it goes as a breach of contract against XXXX XXXX XXXX XXXX. XXXX then proceeded to claim thousands of dollars of charges were fraudulent including monies that were paid to employees and helpers at the birthing center. She also refused to pay some employees as backlash for them being supportive of me. It is imperative for the safety of mothers who will deliver at the center and the financial livelihood of some employees and myself as a true owner that she is not allowed full control any longer. 
At this time XXXX XXXX is under investigation by the Attorney General and my fear is she will be using these business funds to use in her XXXX fraud case, the state of Florida as well as XXXX are starting an investigation against her for other issues along with XXXX fraud. XXXX XXXX has been able to steal from me at this point along with the government via XXXX fraud and the bank is enabling her by allowing her to put all business funds in a separate account. Even more than theft her carelessness has allowed babies to almost die and this stems from her having full control of the business funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
There's a common practice with credit card companies that affect people with money problems. 

1. they offer a balance transfer if you open a new card. 
2. they ask you how much you make per year. ( without any evidence, people can lie and inflate their income ) 3. the company accepts your application and balance transfer. The promotional period is generous- around 13 months in this case ( Bank of America platinum ). 

4. After the promotional period, the rate rises to 24 %. This is a loan shark rate that is impossible to pay back for most middle- low-middle class people. 

5. HERE 'S THE KICKER : After approving your application, mailing your card, emailing an announcement that your card has been mailed, they delay the balance transfer payment to the other card TWO WEEKS. Your balance remains at XXXX for two weeks. 

This practice ( mailing the card, delaying the balance transfer and keeping your full credit line open at {$0.00} ), is designed to lure people into using their card for purchases. 

This is TWO WEEKS where people who don't understand the rules make purchases at a 24 % rate. It's even possible that the balance transfer might exceed their credit line when it is posted/processed if they've used their card during this two weeks. After the balance transfer is complete, they can not begin to pay off the balance transfer until they pay the balance for the purchases made earlier. This increases the likelihood that their balance will lapse into the non-promotional rate. 

This is predatory, manipulative, and deceitful. THERE SHOULD BE A LAW PROHIBITING THIS TWO WEEK DELAY. It's obviously an intentional way to take advantage of financially unaware or desperate people and lure them into using their card.

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 2021-02-02
Company: CITIBANK, N.A.
State: TX
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:
I purchased a refrigerator from Home Depot that was delivered on XX/XX/XXXX. On XX/XX/XXXX - the refrigerator stopped making ice and was getting warm. On XX/XX/XXXX a technician came out and told us the compressor had died. I had purchased an extended warranty from Home Depot, was within my 90 days of delivery, and this is obviously a major component. Second technician comes out to tell us that compressor, evaporator and control board are all bad. This is a lemon. Home Depot refuses to fix. Insists that the manufacturer must fix it. I have called the Home Depot store, corporate, etc. This is a lemon. This needs to be replaced or my money refunded. Home Depot refuses.

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 2020-11-16
Company: PNC Bank N.A.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted in XX/XX/XXXX by a debt collector from XXXX XXXX  XXXX , XXXX, regarding a private student loan issued by PNC Bank , National Association, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX phone ) in XXXX ; the student loan was in the amount of {$9100.00}. I explained to the debt collector that I had no knowledge of the debt and followed up by submitting an ID Theft Affidavit to PNC XXXX XXXX as directed by the debt collector. I contacted the school I attended in XXXX and my credit union at that time ; both institutions have no record of receiving the money or any deposits resembling the amount of the money the debt collector alleges was issued in my name. I received a 1099-C, Cancellation of Debt, from PNC Bank and had to pay taxes on the debt reported in box 1 of the form of {$9100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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: Account information incorrect

Complaint:
I have has an issue with all 3 Credit bureaus that have reported information on my credit that are very false I have over 32 inquires one my account due to false information from identity theft and I want it removed it has brought my score down major and Im not even 25 with all of this false information on my credit XXXX XXXX has recently removed certain information Im thankful for that but majority of the inquires still stands I have multiple inquires from companies that I have never done business with from fraud behavior intended on getting goods that I knew nothing about at all. PLEASE REMOVE THIS INFORMATION I have never dealt with or has any association with these companies

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 2019-11-15
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a Vanilla VISA gift card ( issued by The XXXX Bank ) in XX/XX/2018 and the card is invalid when we tried to use it and tried checking the balance at the Vanilla Gift website and the phone number provided. I was not able to reach a person via the phone number. The gift card is valued at {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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: Account information incorrect

Complaint:
I have has an issue with all 3 Credit bureaus that have reported information on my credit that are very false I have over 32 inquires one my account due to false information from identity theft and I want it removed it has brought my score down major and Im not even 25 with all of this false information on my credit XXXX XXXX has recently removed certain information Im thankful for that but majority of the inquires still stands I have multiple inquires from companies that I have never done business with from fraud behavior intended on getting goods that I knew nothing about at all. PLEASE REMOVE THIS INFORMATION I have never dealt with or has any association with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
On my wifes and my credit report the bank reported us 60 days late on XXXX for the month of XXXX for both of us as it is a joint account. I reached out to XXXX XXXX XXXX XXXX where XXXX XXXX said this was incorrect and would be correct and still to this day no avail as to a correction. He also asked me to send him a report showing where it was showing this and still no fix. I am requesting this to be removed completely as it was never paid late.

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 2021-02-02
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received my CFPB response from Resurgent Capital Services dated XX/XX/2021, which was an account summary, which does not count as a validation of debt. Anyone could have opened a credit card in my name and used it. They have yet to produce a contract bearing my signature. They also have failed to produce what they actually paid for this account. They are not able to charge a debtor more than what they paid for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: EQUIFAX, INC.
State: NY
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 credit bureau has failed to respond to my multiple requests requesting the verifiable proof provided to them by XXXX XXXX that the information they are reporting is correct. My correspondence with them on this account began on XX/XX/2019. When I sent a letter requesting verifiable proof. They have failed to respond or take any action to remedy this situation. Their error in reporting is causing me great financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
By ignoring my disputes, I feel as though I am being taken advantage of. XXXX makes it abundantly clear that failure to review a credit report item within 30 days will result in its immediate removal. These entries should be deleted immediately as they are older than 60 days.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Sent disputes XX/XX/2022 to XXXX, XXXX, & TransUnion to remove information under Public Records regarding bankruptcy. XXXX XXXX XXXX have stated two time ( XXXX & XX/XX/2022 ) the information has been verified. TransUnion stated the information as verified ( XX/XX/2022 ).

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 2020-05-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018, my wife suffered a XXXX XXXX XXXX in her XXXX XXXX  in XXXX, TX. We called XXXX given our XXXX  to safely XXXX XXXX The first responders were the volunteer local XXXX team, and they assisted in moving her from the back of the house into an ambulance. Shortly thereafter, the paramedic team from the town of XXXX, approximately 30 minutes away, arrived. It was their assessment that she had a likely leg fracture requiring XXXX  consultation, and they informed me that no XXXX   consultation was available at the hospital. This confirmed what our family in the local area had indicated. The paramedic staff also indicated to me that she should be transferred to a XXXX XXXX in XXXX XXXX and that the only safe way to get her there was by helicopter. I deferred to their judgement for the medical necessity of this transport. Of note, my wife has XXXX XXXX with a history of XXXX on the XXXX XXXX and with that she has both motor and sensory dysfunction of that extremity. She was in XXXX XXXX not simply because of her XXXX, but also because she was having XXXX XXXX of her XXXX  causing her XXXX  to pull directly on the XXXX. 

My health insurance refused to pay the XXXX bill for {$54000.00} on XX/XX/2018. Within a few months I responded to appeal. On appeal, XXXX, the insurance company, reviewed the records in detail and paid XXXX {$12000.00}, which is the customary amount for ground transportation, indicating in the explanation of benefits that the patient responsibility should be {$150.00}. 

They then began balance billing us for the remainder. We used our XXXX  employee benefit to hire an attorney, who sent XXXX and cease and desist order regarding the balance billing, but they haven't continued to bill us and submitted it to a credit collection agency, which has led to a damaging item on my wife 's credit report, which is impacting our ability to obtain a mortgage. 

We had no role in the medical decision by the providers at the scene to recommend air transport. The insurance company subsequently determined that ground transportation would have been adequate and therefore have only paid that amount. XXXX is now coming to us to pay for what the medical providers have said was necessary at the scene but our insurance company wouldn't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
First National Bank of PA violated the following under the Federal Fair Lending Regulations. 

- Fail to provide information or services relating to, or provide different information or services relating to, any aspect of the lending process, including credit availability, application procedures, and lending standards - Refuse to extend credit, or use different standards in determining whether to extend credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To whom it may concern : On XX/XX/2020 I went on CFPB and found that my case was closed. I Click the attachment and found a letter dated XX/XX/2020 conveying they would be granting my {$2500.00} from being scammed on XX/XX/2020. I never received the letter in the mail at my address that is correct in the letter. 

The Letter is in the attachment below. I reads to install a new XXXX XXXX  App Square the part saying open a new App. 
( Based on our review, it appears that you granted access to your Cash App account to an unrelated third party ; and in turn, this unrelated third party used the access you granted to remove funds from your Cash App account. Nevertheless, we have elected to grant you a credit for the amount lost. Our Customer Support team has prompted you to open a new Cash App account so that we can issue the credit. ) XXXX Since the scammed I only been having issue with the XXXX XXXX App. I have reinstalled the Cash App more than once before I went to CFPB and seen the letter and again on XX/XX/220 and respond to CASH OUT support email address on XX/XX/XXXX, and XXXX 2020. XXXX XXXX I received an email for XXXX XXXX  app talking it will take 60 or more days. I do not understand snice it was my {$2500.00} was granted a credit, I was to let them know I reinstalled the Cash App. So the scams started up again after I reinstalled the Cash App. After checking my email I get a Text from XXXX because of COVID19 Federal Government talking about call XXXX XXXX the have a direct deposit {$9.00} XXXX call them. I did and they stated with the same question as they did when I was scammed on XXXX XX/XX/2020, I said do you not going get me twice and they hung up and then they on XX/XX/XXXX I got a call from them and again this Morning XX/XX/2020 XXXX and she said she was from XXXX XXXX   App and she need to fix my App, the call is what awaken me so I said oh ok sure thinking it was the real XXXX XXXX App support and then she ask if I would go to the play store and down load screen share ( same thing they done on XXXX XXXX ) I said so are you going to fix or am I going to fix it and she hung up.

Company response to consumer: Closed with explanation