BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I pulled {$400.00} out of my chime account to my XXXX  account and my XXXX XXXX card was stolen and i reported XXXX $ worth of fraudulent transactions to XXXX and my disputes were denied although my card was stolen from me and the transactions were unauthorized. Chime is telling me since i authorized the transaction to XXXX they wont dispute it when im explaining in detail what happened and how XXXX XXXX isnt doing anything. i should be able to get my money back. they are so rude and keep telling me i need to contact XXXX XXXX and they cant do anything when i already contacted them and they refuse to dispute these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: MO
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXXXXXX XXXX Balance : {$3200.00} ; XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX  XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$75.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # A XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2022-09-21
Company: SANTANDER HOLDINGS USA, INC.
State: MA
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:
I recently opened a Santander Ultimate Cash Back [ Credit ] Card because of the multiple promotional benefits advertised, including : no annual fees, 0 % APR for the first 12 months ( including on balance transfers ), and 3 % cash back for the first 12 months. 

Although the Santander website is very clear and forthcoming about the promotional benefits of this particular credit card, the applicable balance transfer fee was not clearly communicated. 

The Balance Transfer fee is the greater of 3 % of the amount transferred or {$10.00}. Studies show that consumers have a misunderstanding of balance transfers / 0 % APR offers. Further, consumers that use balance transfers are generally financially vulnerable - often times with considerable amounts of debt on existing credit cards accruing interest at high rates 20 % +. To bait these consumers with 0 % APR offers, and hide a 3 % balance transfer fee in the fine print, is a clearly unfair and deceptive business practice, targeting the most vulnerable consumers. 

I have attached a credit card statement capturing the balance transfer fee that was charged, along with PDF of Santander 's website, where mention of the balance transfer fee only exists within the " fine print ''. 

Statement of Facts : 1. Credit Card Opened : XX/XX/2022 2. Balance Transfer of {$4600.00} Processed : XX/XX/2022 3. Balance Transfer Fee ( 3 % ) Applied : Total of {$130.00} on XX/XX/2022 4. Call Made to Santander Requesting Fee Waiver : ( Date Unknown ) -- Rejected, Unsuccessful. 

Thank you.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 have attempted to register several times in order to obtain my credit report. The original purpose was to unfreeze my account. There was no place to put in a pin. I tried registering with Experian. It appeared to work but then it would get this message " We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience.Call us toll-free at XXXX '' I tried multiple time to get it to work. I called XX/XX/XXXX and 5th multiple times. It is just an automated response. You got around in circles until they hang up on you. I ask to talk to a representative it just circles through the menus. It will not understand " SYSTEM ERROR ''. It will not connect you to a human. It gives you a choice of automated reply or end the call. I chose automated reply and it hung up on me. There needs to be a better way to resolve this issue. 
I called XXXX and XXXX XXXX XXXX both gave the same results. How am I to verify my account? I was able to unfreeze my account over the phone. 
This credit bureau has always been an issue and the one I have had more difficulty when trying to obtain my credit report. I have not had this issue with the other credit bureaus.

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 2023-03-04
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 I contacted Fortiva Credit about the process of paying my account in full and closing my account. I was told by a customer representative to send a certified or bank issued check to a given address to which I did. A week later I received a payment reminder of my upcoming payment at that time I called and checked my account status they then proceeded to tell me they havent received my check. They told me it may take up to 10 days to post I kept an eye on my account at ten days I called they then asked me to send my bank information on the check I had sent to a fax number which I did a week later I received a call stating they still havent received my check I again confirmed the address to which I sent to be correct, At this point they told me to re fax my check information to the same number as before I waited for three days and called back went through the whole thing again with customer service at this time I was told that they had given me the wrong fax number I then faxed information again to the new given number. A few days go by and I receive a call stating I was late I again had to explain the situation again and was told to give it a couple more days about 7 days later I received another call and was told I was accruing late charges at this time I contacted my bank and asked to place a stop payment on the check and overnight a new check please my bank asked for me to contact Fortiva for a address to overnight to and a full account number I called customer service they provided me with a overnight address but said it was not possible to provide me with a complete account number they could only provide the last XXXX I then contacted my bank and sent them a payment voucher as I had done with the first check at this point I assumed everything was taking care of but then I get a credit report alert when I checked Fortiva had reported I was 30 days past and do to this my credit report dropped XXXX points. I have never seen a group that was so hard to pay a account in full and close my account as these people ridiculous Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Freedom Mortgage Company
State: NJ
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 creditors has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 604A section 2 it also states a consumer reporting agency can not furnish my account without my written consent.

15 USC 1666B a creditor may not treat a payment under and open and any consumer credit as 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 2023-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
Someone applied for an unlimited cash rewards Visa card from Bank of America in my name. I have tried calling the bank to report. I don't know what to do next.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Someone was stealing money out my account XXXX times. All XXXX did was send me a new card. And the person kept stealing, so i said give me a new account and routing number. XXXX said no, and CONTINUED to let the person steal out of 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 non-monetary relief
Consumer complaint received 2023-03-20
Company: ALLY FINANCIAL INC.
State: FL
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:
This company Is in violation of Gramm-Leach-Bliley act for sharing my non public personal information with nonaffiliated third party companies.

I choose to exercise my right to opt out of having any account with this company report to the consumer reporting agencies under law 15 usc 6802

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX  Account #, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 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

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 2022-12-11
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Friday XX/XX/2022 I received a bill from my XXXX credit card. I viewed the bill and it had 1 charge for XXXX dollars that I did not make. I notified them immediately there was a fraudulent charge on my account. They told me I was required to pay the bill or I would be assessed a late fee. The only thing on that statement was the fraudulent charge and they are requiring payment or I will be assessed a late fee. They also did not even cancel the card and provide a new card with a new number they just left me with the old card number that had fraudulent charges on it. I chose to cancel the card and not do business with XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Capio Partners, LLC
State: IL
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:
In accordance with the fair credit reporting act Capio Partners Account # XXXX, has violated my rights. 

15 USC 1681 SECTION 602 STATES I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as a late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
I would like to lodge a complaint against Truist Bank regarding the annual fee charged on my credit card. I was charged this annual fee XX/XX/XXXX, with a memo stating the fee was for XX/XX/XXXX through XX/XX/XXXX. Then on XX/XX/XXXX, I was charged this annual fee again, 3 and a half months early. When I contacted Truist on XX/XX/XXXX, I was informed that annual fees are sometimes charged " a little early ''. While I could understand two weeks being a little early, I think that 3 and a half months early is outside a reasonable expectation of " a little early '' for an annual fee, which is usually every 12 months. That's more than 25 % early! Continuing on that fee schedule, Truist will charge me an entire extra annual fee after just four years ( collecting 5 annual fees in four years, one every 9 months ). This is effectively a 25 % increase in the annual fee, without notice. I am not familiar with all of the details of the regulations, but you would think 3.5 months would exceed what would be considered reasonable for when an annual fee could be charged " a little early ''. I asked Truist to prorate the latest annual fee, and they refused, stating they could only waive the fee and cancel my account, which is not what I want to do, considering the impact it would have on my credit score to close the account. 

Can you help me understand if, and why, this is ok for Truist to do? Is there any other recourse available?

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 2023-03-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My complaint and this narrative does not fit into any one of your categories. I am the XXXX XXXX in a business in XXXX, Florida, XXXX XXXX XXXX XXXX, with 3 other partners. Our business checking account with XXXX XXXX was hacked and 4 separate fraudulent debits were made on XX/XX/XXXX  and XX/XX/XXXX  through an automated clearinghouse. I became aware of this on XX/XX/XXXX  and notified our bank immediately. The funds from 2 of the four criminal withdrawals were used to e-pay credit cards-XXXX  Credit in the amount of {$7000.00} and American Express in the amount of {$6500.00}. Three of the four withdrawals were returned immediately including XXXX XXXX. 
XXXX XXXX contacted American Express on XX/XX/XXXX  and were rebuffed. My bank was told I would need to call. I did so immediately and American Express would not speak with me. 
I filed a report with the XXXX County Sheriff 's Department, case # XXXX. American Express is in receipt of stolen funds and is complicit in this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: WELLS FARGO & COMPANY
State: OK
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
When I went to trade in my car to another dealer when I still owed on it through Wells Fargo it was showing me I owed {$5700.00} left and they added a extra {$1200.00} to the over all payout.

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 2023-03-24
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I moved in XXXX of XXXX. As soon as I moved, I updated my address with my employer. My 1099 associated with this card has gone to my new address for the last two years. My prepaid card expired on XXXX. I was told I would receive a new one in the mail. I waited until XXXX to request a new card. At that time I was told the address was updated and the card was sent. I never got it. I called again on XXXX. I was told the exact same thing and given a case number of XXXX. I called back on XXXX and I was told they could not give me any information on my case number because 7-10 business days actually means they can not discuss the matter until 15 calendar days have passed. Today, XXXX, I was told I never called to change the address, even though I have a case number associated with the request. I was also told I can not request any changes of address due to the fact that I do not know the last deposits made. I have no way of accessing that information because my online access expired with the card on XXXX. Therefor I can not get a card mailed to me. 

In the address information of this form, I had to enter the billing address associated with that card. This however is NOT my current billing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: MI
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'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 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 explanation
Consumer complaint received 2023-06-08
Company: Credit Karma, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Your options were not exactly what happened. Let me explain and you do what you will. Credit Karma says that you can inquire about a loan without it affecting your score. That no inquiries will show until you are approved. That is not the case. They also send you to companies in other states, and when they transfer you to another state even though it's the same company, there's an addition inquiry on your report. One more item. Currently these loan companies are asking for your banking information. Not just any information, but theywant your login name and your password. That seems nefarious.

Company response to consumer: Closed with explanation