BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Unauthorized payments and cash transfers were executed from XXXX XXXX on my accounts with credit unions on XX/XX/XXXX for {$30.00}, {$50.00}, {$20.00} and on XX/XX/XXXXfor {$30.00}, {$30.00}, {$2000.00} and {$2900.00}. I did not make these transfers and had to close my credit union accounts to avoid payment of some of the unauthorized payments. My credit union indicated that the payments withdrawn on XX/XX/XXXX could not be reverse. I need Paypal and XXXX XXXX to reverse them. I spent most of the day on phone calls with Paypal and XXXX XXXX  and could not get help with these unauthorized transfers. My credit union help to close my accounts as a loss prevention matter to the large payments from posting to them,

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 2021-09-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly reported that there are FRAUDULENT items on my credit report and that they are in violation of FCRA regulations. 

There is an abundance of inaccuracies in my report. The attached accounts are reporting inaccurately and or erroneously. I have reported these in XXXX and XXXX of XXXX  with no rectification for the accounts. 

I have attached all three reporting agencies to show inconsistencies and FRAUDULENT negative accounts.

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 2020-11-04
Company: Tribal Lending Enterprise, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of 2020 my children and I tested positive for XXXX. I missed quite a bit of work and needed money fast to cover bills. I unfortunately came across a website for Majestic Lake Financial. The interest was high but I was desperate and the appeal was I would have the money the next day. I borrowed {$1100.00} from them. They have been deducting payments bi weekly directly from my bank account since XXXX. I mentioned this to my boss and he did some research and found that this type of loan is illegal in the State of Indiana. Indiana has a cap on interest rates of 71 %. They are charging me 528.0063 % for 8 months. I have already paid them {$1500.00} to date. I am not looking to receive any money back. I borrowed the money and I am responsible for paying it back, however they're charging me 528.0063 % interest which I am seeing now is illegal. I have more than paid the loan back. I have paid the principal and well above the legal amount of interest. I am looking for some clarification of my rights in this matter. Thank you for your 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 2021-02-02
Company: Radius Global Solutions LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a charged off credit card with XXXX XXXX Bank that was sent to collections in the amount of {$440.00}. I paid the debt off as of Monday XX/XX/XXXX. I then disputed the collections report on my credit file through XXXX. They completed the dispute in less than a day and have reported that the status of the collections has not changed. This is incorrect as the charges were paid off before the dispute was filed to remove the report from credit file. This file is reporting that my account was charged off again in the month of XXXX when in fact the balance was paid off on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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:
I received an offer from HSBC with a credit limit of {$2500.00}. I used the card and in the beginning of XX/XX/2017 fell behind a few payments. I was having a hard time making the payments but did make try to make payments but they were not on time. I missed a few payments. They kept calling me and taking money from me but closed my account without my knowledge. I didn't find out till months later. They said that they mailed me a letter. How come they mailed me a letter informing me that they closed my account but can call me a few time a week to collect payment. I never disputed my charges or that I owe the amount. I simply needed to get caught up. I told them to reopen my account and they said unfortunately we can't do that. So I told them then unfortunately I can't pay them. They said it is still my responsibility. I agree that I entered into an agreement with them but don't understand why they can't simply reopen my account. I am will to keep making payments as long as I can use my credit. I think it is extremely unfair for them to do this. I wanted to maintain my credit with them as I have been a very good borrower. I would gladly make payments if I can use my credit card, since this is what it is for. My name is XXXX XXXX Acct number ends in XXXX. I am now 3 months behind and it is with their collections and recovery department. I spoke to manager by the name of XXXX. My number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent multiple disputes in with Equifax in regards to their company simply listing a number as the account holder and not providing any details or information in regards to who the alleged owner is of the debt in question or anything. The entire role of the credit reporting agencies is to provide accurate and fair information for consumers and their reports. Equifax has failed to assist me in finding out who these individuals are who claim to own these debts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Home Depot credit card managed by Citibank. This card currently has a zero percent rate until XX/XX/2019 for the purchase of a furnace. My statement of XX/XX/2019 showed a payment due of {$34.00} by XX/XX/XXXX. This payment was made on XX/XX/XXXX. There is no dispute about this ; the payment is included on my statement of XX/XX/2019 which requires a {$33.00} payment by XX/XX/2019. This payment was made on the evening of XX/XX/XXXX, through their phone system after the statement had closed. It was their phone system that indicated the amount of the payment due. There is no dispute about this. 

The statement of XX/XX/2019 shows this payment made on XX/XX/XXXX, but they also charged me a late fee for not making the payment that Citi does show being made on XX/XX/XXXX. Their reasoning was that the XX/XX/XXXX payment was retroactively applied to the XXXX statement without notification to me. Thus they claim there were two XXXX payments, but no XXXX payment. This is despite the fact that both the XXXX and XXXX statements show the opposite. 

I called Citi on XX/XX/XXXX and was told the late fee would be reversed, which it was. The next day another person from Citi called me demanding an immediate payment of {$93.00} to cover the " missed '' payment due XX/XX/XXXX, the new {$33.00} payment due on XX/XX/XXXX, and the {$27.00} late fee which had already been reversed. I asked for a supervisor who gave me the same story. 

On XX/XX/XXXX, still another person from Citi called demanding an immediate payment of {$93.00} because my account was overdue. This person was much more polite and understanding. She transferred me to another supervisor, who told me to make an immediate payment of {$46.00} and then pay another {$46.00} by XX/XX/XXXX. In their version of the universe, I still have the pay the " missed '' payment that they admit was paid, the new month 's payment, and the late fee which has already been reversed. I was told by the supervisor that this would be a benefit to me because these payments would be applied to principal. Note this account has a zero percent interest rate until XX/XX/2019. 

When I was in fifth grade my brother and I got a paper route and opened savings accounts. We learned about the time value of money. It is really strange that a supervisor at one of the world 's major banks would think that paying principal early would be any advantage to me.

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 2018-03-22
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I have 2 accounts with them and they closed both accounts without notifing me and has report me 30 days late about 4 or 5 times. I have tried to contact them but get no response. I have paid on time. I tried to setup auto payments but they will not accept 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 2021-09-11
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 dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fradulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: CITIBANK, N.A.
State: IL
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:
Since XX/XX/2020 my credit card with Citigroup has been a victim of internal fraud, which has cause immense equitable harm and injury. On XXXX, While on a recorded phone call with Citigroup Credit Line Management ; I spoke with a Citigroup agent named : XXXX, with Agent ID # XXXX, this agent confirmed that several payments one for {$250.00}, 2nd for {$510.00} and 3rd for {$490.00}, were made to the account and " Would Not Be Credited '', because Citigroup had the right to not credit the account and remove all funds from the account without authorization for the account owner. I was then instructed that Citigroup was closing the account without warning or reason and not return any of the funds that they have received. Since XX/XX/2020, until this day XX/XX/2020, Citigroup has altered the ledger bookkeeping of the account multiple times and has applied a " Certificate of Deposit for - {$500.00} '' to the account, and still refuse to allow the account owner access to these funds.

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 2021-05-05
Company: ROBINHOOD MARKETS INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello I opened an account with robinhood and purchased XXXX with the XXXX XXXX instant transfer and the deposit was reserved because the money was in my XXXX  account. Ive tried repeatedly to find my ax but have not been successful and ow I just want to close my options and retrieve my profits but they wont allow me to and I keep writing them and no one answers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 purchased tires for my car in XXXX of XXXX, I used a credit card XXXX  XXXX XXXX XXXX ending in # XXXX. They sent me monthly statements initially and I paid the bills fine. In XX/XX/XXXX they stopped sending me monthly billing statements, I called and let them know I was not receiving a bill. They refused to send me bills. I'm a senior citizen and I don't use online banking or bill pay or email nor did they mention that i had to pay in this manor. The debt was sold to Portfolio Recovery.They refused to send statements. I filed 2 complaints with XXXX XXXX that I had a right to receive a billing statement and they agreed. The account was resolved at that time in XXXX and it was reported paid in full. Now they calling me and harassing me about paying this debt that was resolved back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Kimball, Tirey & St. John LLP
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved into an apartment in XXXX XXXX and when my lease was up I moved out. The apartment manager or owner is attempting to collect a debt for what I assume is repairs or something to the apartment but when I moved in I paid a security deposit that should have covered it but they are claiming I owe them over {$800.00} which is impossible. I filed a dispute twice with XXXX  and my disputes went nowhere. I was never given documentation proving I owed them this insane amount of money and never returned my security deposit so this needs to be taken off of my credit and XXXX isnt giving me good results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under IQ Data International and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as IQ Data International had not responded and a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: JPMORGAN CHASE & CO.
State: LA
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 never applied for any loan or credit card with this company. They refused to remove the info from my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: BAM Management US Holdings Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi I've opened a ticket with binance.us to reset my account in order to be able to transfer and trade funds but it's been over 20 days with no response. 
ticket number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I purchased some thing using XXXX and the person lied and said they never received the money but my bank PNC said they saw it they received it but to call back the next day once it posts so I waited a whole XXXX hours like the bank said then when I called back and file the claim in a dispute I have a police report the bank pretty much told me theres nothing they can do and Im out of the funds so Im like so this person can steal {$250.00} from me and theres nothing anyone can do they got my money and lied and I have texts to prove my case I am fed up with pnc XXXX shouldnt be a scape goat for these scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I opened an online savings account with American Express National Bank. I linked it to one of my checking accounts at XXXX XXXX XXXX and submitted a XXXX $ transfer from XXXX XXXX to American Express. 

The next day XX/XX/XXXX I verified the trial deposit that American Express made and the transfer was initiated. After about a week I made another XXXX $ transfer from my checking account at XXXX XXXX to American Express. 

A few days after the second transfer I checked online and both transfers had been debited to my checking account at XXXX XXXX and the XXXX $ balance was now available at american express. 

On XX/XX/XXXX I opened a statement from American Express dated XX/XX/XXXX and I noticed that the two transfers had cleared on XX/XX/XXXX and XX/XX/XXXX and that on XX/XX/XXXX there was a " Miscellaneous Withdrawal '' debit of XXXX $ and an ending balance of zero. 

Note that from XX/XX/XXXX until XX/XX/XXXX I was not contacted by American Express by mail, email or mobile phone number. 

On XX/XX/XXXX I called American Express and I asked what was going on. I was advised that my account had been closed. They didn't tell me the reason ( which I am fine with because I understand that they have the right to do so ) and they claimed that they didn't have to even notify me. 

I requested that they transfer back the money to XXXX XXXX or send me a check and they refused to do so, telling me to contact XXXX XXXX. 

On XX/XX/XXXX I then set up a conference call with the two banks. Then American Express asked XXXX XXXX to attempt to reverse the charge as if it were unauthorized. 
This is problematic because the charges WERE authorized by me and cleared properly from my bank. 

This is an outrageous behavior from a regulated bank. I don't contest their right to close my account but their refusal to refund me promptly my balance AND the accrued interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I make a monthly payment for credit monitoring service and credit score that i cant even see that i been having problem with this company for 3 years with and there services continues to give me the same problem over and over even when they say they have investigated what they said they fixed but still nothing.

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