BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-02
Company: TD BANK US HOLDING COMPANY
State: NY
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/2017 purchase a battery operated handheld massage that supposed work with batteries I change the batteries several and not responding so I contact the XXXX Customer at XXXX claim that they was unable to help me and put in complaint with the full credit number and then I contact TD Bank Customer Service regarding disputing this charges since the business will not honor a exchange or refund on the product and the TD Bank Representative all said she unable to dispute the charge because it has been more than 60 days I explain to them and she aware that checking account is closed on the statement it indicate XXXX XXXX XXXX XXXX XXXX XXXX for {$180.00}. Why is that Fraudulent purchase can not be dispute is this legal and why is the full debt card number need for dispute when the bank should have all access to Banking Activity is this legal and please ensure that staff do not tell me and others that I will be wasting my time this is my money from my working and depositing in the Retirement this money was transfer from IRA Account and governing by Retirement Account Federal Regulation and the transaction with these account are be reviewed by United States Department of Treasury Internal Revenue Service please investigate this Bank and ensure that they operating according to United States Department of Treasury and United States Federal Regulation and then after informing they not going to be able file my dispute they transfer me to Recover and Charge Off for XXXX XXXX and she was not able help with pass account and Debt Card Number is this legal and the number I was transfer to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an business account and personal account. They closed my account due to the fees they were charging unfairly. Held on to my business account funds. My company name was XXXX XXXX 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
Consumer complaint received 2021-08-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$240000.00} into the account and withdrew {$200.00} on XX/XX/2021. There is {$230000.00} for me, but Chase has denied me from withdrawing the money. According to XXXX the account closed, but that is fraud. The Chase branch manager of the XXXX XXXX XXXX, XXXX XXXX, CA XXXX location did not return my check. I have asked for my money, but I am being hindered by Chase. I spoke with Chase Claims Department to get my money. I was transferred to the Collections Department and spoke with XXXX Unique ID # XXXX. XXXX claims that the check did not cash, but this is fraud. I have the receipt as proof. The receipt is prima facie evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Experian Information Solutions Inc.
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:
On XX/XX/19, there was a negative account from XXXX that reported to my Experian Credit Bureau. This is an account that is fraud and an account apart of others opened that are also fraud. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019 to have it removed shortly after that. Upon not having the issue resolved, I sent certified mail to get this resolved on the XX/XX/2019. This matter is still not resolved.

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 2020-12-10
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is regarding Venmo. 

A friend mistakenly sent me {$400.00}. Once I saw this, I sent it back immediately. In that timeframe, she panicked and disputed the transaction. This caused Venmo to charge me {$12.00} for a disputed charge, causing the {$400.00} to become insufficient to send back to her. I had {$88.00} in my account and now Venmo has taken my funds. I dont know where they are or if Ill be getting them back. They are ignoring all my emails. It is now about day 25-26. They conveniently dont have any phone customer service. I have text messages from the sender and she is trying to email Venmo on my behalf as well, but has yet to receive a response. 

Her account has been rectified and is ready for use with no funds being taken from her. Im not sure how I have been wrongfully punished for a simple mistake. 

Please help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-12-10
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Notice of Dispute Im kindly asking American Express to reopen billing investigation for charges associated with XX/XX/XXXX on our account ending in XXXX in particular {$170.00} ( posted XX/XX/20 ), {$130.00} ( posted XX/XX/20 ), {$65.00} XXXX posted XX/XX/20 ), {$74.00} ( posted XX/XX/20 ). 

During this 2020 year weve had numerous issues withXX/XX/XXXX including but not limited to XX/XX/XXXX damaging our shipments on a route, losing few and eventually being overcharged for the shipping services. 

These charges reflect incorrect amounts amount weve been overcharged sums weve never consented to in the first place and were offered different quotes for shipping, otherwise weve would never have considered shipping with XX/XX/XXXXas we dont do anymore. 

Previously weve filed a billing disputes via AmEx website for these XX/XX/XXXX charges and submitted requested supporting documents in a timely manner, expecting that the merchant will either rebute these charges or we will expect a refund. As pretty much any business this year we were busy trying to survive during the COVID-19 challenges and were extremely busy keeping things running. 

We were expecting to hear back from American Express in writing digitally or via mail in regards to these disputes. However recently weve discovered that these disputes were ruled into merchants favor without sending us any note of results of the investigation in writing message from American Express says We have completed our investigation. Please refer to the communication we sent., however we didnt receive any written piece of communication from AmEx in regards to these inquiries nor via the email, nor via the Message center, nor via the US Postal Service to any of associated with us addresses, including but not limited to XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX. 
Its sad but rather confusing that AmEx that publicly supports small business efforts to survive through COVID-19 pandemic, yet sometimes fail to assist us in small but important things get our money back for things weve never consented to such as but not limited to being overcharged. 

Its in an AmEx sole discretion ability to investigate these billing charges and were kindly asking American Express to reopen those billing disputes and consider all the documents attached below. 

Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report I have requested to see the original application. To this day, which is well over 60 days later, I still have not received a response or the original application. I feel like Im being taken advantage of and being ignored of my dispute. According to section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have gotten into the hands.

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 2021-02-03
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: Account information incorrect

Complaint:
There was a chase credit card opened in my name and was maxed out. This activity is fraudulent and I need this to be taken care of in a timely manner. According to the FCRA any inaccurate accounts/information on my report are to be removed with the proper documentation. I have never opened a XXXX card. I need this to removed from my credit report because it is negatively impacting my credit score. This is unfair.

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 2018-03-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX ( or XX/XX/XXXX, I don't have my records at hand ), my bank, Wells Fargo, summarily closed my checking account, freezing my funds and providing no explanation as to why such an action had been taken. I am only reporting this now because I assumed I had no recourse until I read today of a Wells whistle-blower from a XXXX branch being fired for exposing this widespread -- and illegal -- practice on the part of the bank whenever any type of fraud was suspected to be associated with an account. In my case there was no fraud. After many phone calls to many extremely unhelpful Wells employees ( a few of which flatly stated that it would be impossible to reactivate my account ), I was finally able to ascertain that the closing was due to an alleged transaction with my credit union in which Wells claimed I had deposited or cashed a check for which funds were unavailable. Even after I contacted the management of my credit union and was assured that no such action had occurred, Wells refused to reinstate my account. ( This after I had held the account for over thirty years. ) Concerned that my credit rating would be effected, I persisted, and after more than two weeks of constant effort I finally contacted a sympathetic Wells who assisted me in reinstating my 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 2020-12-11
Company: ATKB PORTFOLIO MANAGEMENT, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 @ about XXXX XXXX a representative of a law office stated my fianc owed money for first for a debt with XXXX XXXX XXXX then said XXXX XXXX XXXX stating the amount of {$800.00} was owed but would settle for {$300.00}! I asked what collection agency this was and was told a law firm! I paid the {$300.00} but my bank flagged it as a scam and denied the transaction! They threatened to serve law suit at job and threaten legal action, report for bad credit, which this debt was not on either of our credit report nor have ever received a bill! They bullied us until we gave bank info! The phone number was XXXX but the charge in bank came from ATKB Portfolio at XXXX! Im very upset and dont take kindly to being threatened

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 2022-07-05
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The list of informations were inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect informations listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( 1 ) I contacted National Recovery Agency ( NRA ) to verify the bill and they failed to respond within 30 days.

( 2 ) NRA reported an aged bill ( that I have paid it ) to my history without any notice before its 180-days period. 

In fact, the information in a collection account on my credit history is not mine. I had a bill on XX/XX/2018 from a medical centre inside another medical center that I have paid both bills within 180 days for medical bill. 

Please see the attached proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently, I had my credit pulled and was alerted to a balance owed on a closed BMW lease from 2019 which surprised me as you met the terms of your lease and the vehicle was turned over in pristine condition. 

I have received no notification from BMW via USPS mail or phone call to alert me of any balances owed or issues with the vehicle. Had I not requested my credit to be pulled, I would have never seen this or been made aware and it could have negatively affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: WELLS FARGO & COMPANY
State: NY
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:
On several occasions Wells Fargo has fraudulently, lied to me and told me that I can not link my rewards cash back to my principal mortgage, which in turn has prevented me from earning cash back that would go towards my mortgage principal. Also, Wells Fargo has failed to attach my Visa credit card account to my online banking account so that I can not see what my bill is or make timely payments and have been charging me monthly {$27.00} or {$29.00} a month in late fees when they're not sending me a statement. I have an excellent credit score I pay my bills on time my mortgage has never been late with Wells Fargo Wells Fargo is extremely fraudulent and how they handle their customers. Please check into my mortgage Hamp modification where I was granted XXXX in equity and I believe my payments is not going towards my mortgage and my Principle as i was told it would be going towards.

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 2023-12-04
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXX is the master servicer for my loan, and subservices it out to LoanCare. They experienced a data breach/cyber security attack almost a month ago, and have provided misinformation and barely any details about what transpired. My contact info is below to identify my loan. I need the following : 1. Assurance that all borrower payments will be backdated to the effective date of the breach to avoid additional interest overcharges. 2. Loancare/XXXX XXXX  validate my debt to the CFPB as required and timely 3. Confirm timely payment of property taxes from escrow account without any penalties/interest charged to me as a result of their breach All of these are financial harm against consumers. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-12-02
Company: Sterling Infosystems Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After I completed everything for my XXXX I was pardoned from that crime and that is not showing up. It's imperative that it shows up I was pardoned, I lost a job because it was not showing up.

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 2023-06-15
Company: Self Financial Inc.
State: PA
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:
this account ( # XXXX ) was opened XX/XX/XXXX and closed XX/XX/XXXX. i received a notice of late payment XX/XX/XXXX XXXX, while disputing another account with SELF LENDER. I have no idea why or how this happens. i was not given no notice of any kind about this account being behind back in XXXX i disputed this but for some reason it was found verified. how can a company just do that to your account. now my credit is down and i have a late payment on my credit report from a company that was suppose to help my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX The reports need to be updated to the correct status and information for all XXXX XXXXXXXX XXXX accounts. Please update the status as I and the creditor have asked you to multiple times now. The balances are {$0.00}

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 2023-03-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 16 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Company response to consumer: Closed with explanation