BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-17
Company: EQUIFAX, 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX $ XXXX {$10000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$640.00} XXXX XXXX {$550.00} XXXX XXXX XXXX {$620.00} XXXX   XXXX {$3000.00} XXXX XXXX XXXX   XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
In early XXXX my family had a health crisis so my credit utilization spiked. Twice in XXXX XXXX raised my credit limit and my home depot credit card raised it once because of the falling utilization ratios. In XXXX XXXX, XXXX I made a {$2000.00} payment to my Citi Simplicity card. Then a few weeks later I did a cash advance and on XXXX XXXX i made a {$500.00} payment. The card was below 50 % Utilization. Then on XXXX XXXX they sent me a notice that my debt levels are too high and for this they are cutting my limit in half to {$1700.00} which put my utilization at close to 100 %. By XXXX XXXX I had payed {$12000.00} dollars worth of debt back to my XXXX credit cards and a personal loan that was taken out. My credit score then was above XXXX. Now because of the cut in the card it is now in the high XXXX 's. As a result my auto insurance which is based off of credit went up {$100.00} despite having a perfect driving record. This also disqualifies me from purchasing a home as the minimum is XXXX credit score. The attached documentation shows that XXXX XXXX raised my limit and the other documents show why and when Citi lowered my limit. I do not understand why XXXX credit card will raise my limit twice in one year but XXXX will cut it after I pay it down to 50 %. They have to know that this hurts your credit rating. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Ocwen Financial Corporation
State: IN
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:
On XX/XX/XXXX, OCWEN LOAN SERVICING reported Account no. XXXX as " Over 120 Days Past due mortgage '' to all three credit bureaus ( XXXX, XXXX, and XXXX ). I filed bankruptcy and included Ocwen on XX/XX/XXXX. The bankruptcy was granted and discharged on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased a sound system for my vehicle ( XXXX XXXX XXXX ) on XX/XX/XXXX, with a company named Brandsource and it was a charge of {$1900.00}. I never received a credit card so I couldnt check my account and i wasnt received paper balances for some months. I called them multiple times and asked for them to ship me a new card because you cant access your online account unless you have a credit card available. After multiple attempts I gave up and assumed that I was almost done paying it off ( my monthly payment was $ XXXX/month and I paid $ XXXX/month ). I get a statement in XX/XX/XXXX and when I checked the balance it said that it was at {$1700.00} dollars left on that balance and that they charged me {$1000.00} interest in 1 month. I was furious so I called my legal service and had them send Brandsource a letter. This took place on XX/XX/XXXX. That is when they sent the letter out and I have yet to receive anything back from Brandsource and Neither has my Legal provider.

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 2016-11-03
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Other

Complaint:
My husband was recently approved for a new Citibank credit card ( for Costco ). We keep our finances separate for personal reasons, so he encouraged me to apply for one. I was turned down, solely for the reason of having an old bankruptcy on my credit. I believe this is gender discrimination because he has the exact same bankruptcy record on his credit! Plus, my income is higher than his!

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 2022-02-21
Company: Block, Inc.
State: IN
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:
I started an installment plan for a company ( XXXX  ) which was canceled on XXXX XXXX by the company. Both XXXX and Cash app will not provide a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: TN
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 am wondering why EXPERIAN Credit Report would have the following negative report on my records for 28 years. Date open XX/XX/1992 account in dispute under FCBA and closed by consumer. 
I called XXXX XXXX today and they have no record of this account in regards to a credit card. 
I will be looking for EXPERIAN to compensate me financially for the attached reporting ; causing me to pay a higher finance rate, interest on loans for the last 28 years.

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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$4000.00} XXXXXXXX XXXX XXXX XXXX $ XXXX {$10000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$640.00} XXXX  XXXX {$550.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX  XXXX {$4000.00}

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 explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2017-02-14
Company: CITIBANK, N.A.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Best Buy Citi Card has been charging me for debt protection for almost five years. I was not aware I was being charged for this service until I took the time to review multiple past statements. I do not recall every signing up. I called Best Buy/Citibank ( it 's never clear who is who ) and was given the run around. I was handed off from call center to call center : XXXX to XXXX to XXXX to XXXX back to XXXX. The level of obfuscation and time wasted is breathtaking. I would like a full refund.

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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 wrote to XXXX and TransUnion about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.

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 2015-05-31
Company: LEXISNEXIS
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Lexus-Nexus has incorrect personal data. My credit union told me to contact Lexus-Nexus directly. The only option is a telephone system with automated responses. I went through the menu and have waited for XXXX weeks for a response. They have never mailed me or contacted me. Lexus-Nexus has no way to correct their incorrect data!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
For the past several months, I have been getting AUTOMATICALLY locked out of my Wells Fargo Dealer Services Auto Loan account. This is despite not even attempting to log on. I have signed up for online services only ( ie paperless ), so without online access, I can not pay my loan. The scenario is as follows : I attempt to log on, it tells me I am locked out. I change my password and am given access. I view my account and log off. The following day, I receive a message from WFDS that I am again locked out ( which I am. ) These messages have been coming for several months. I have called customer service 4x and have been given various explanations, none of which make sense : " you do n't know your password, '' " you are cutting and pasting the temporary password '', " you 're not logging off properly '', etc. Each time I have called, I have been promised follow up, and have received none. 

Finally, on XXXX/XXXX/2016 I called and was connected with the Office of the President. I spoke with XXXX, employee # XXXX and explained my entire situation to him. He told me that he would call me on XXXX/XXXX/2016 to follow up, but has not. The case number is XXXX. 

I have extensive documentation ( ie 100+ emails ) supporting my claim. I am unable to pay my car loan because of this issue with WFDS. I am concerned that my credit will become adversely affected if I am not given proper access to my account. I am reporting this issue to XXXX XXXX as well. 

I am attaching multiple attachments. This is NOT an exhaustive list of all the emails that I have received from WFDS ; it is only a sampling and I began receiving these daily emails months ago. Also note that I was NOT being locked out of my account because of failed log-in attempts - these lockouts were automatic.

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 2021-02-19
Company: Southwest Credit Systems, L.P.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
At the beginning of XXXX I disputed a collection account through XXXX XXXX  for Southwest Credit Systems trying to collect a debt that's over 8 years old from XXXX for {$830.00}. After disputing it, the company started calling my phone from clandestine numbers appearing to come from XXXX WA. but were actually originating from Texas. They would call multiple times a day and never leave a message. I decided to answer it one day and got a message from Southwest Credit Systems trying to collect a debt. They started calling my boyfriend phone multiple times a day ( A violation of The Fair Debt Collection Practices Act ). He would block the number and they would continue to call from different variations of the same number. They are not licensed to operate in the State of Washington, they have never attempted to contact me or send proof of debt. This is a zombie debt, or time barred debt. In the state of Washington the statute of limitations is 6 years. I have not had XXXX since 2013. This debt was sold to Southwest Credit Systems in an attempt to revive it and I dispute it. Especially when they feel free to violate the FDCPA. If you look at their profile under the XXXX  they have over 383 complaints. Naturally a collection agency will have complaints, but many are the same allegations from this unscrupulous company. I contacted XXXX and this debt is not on their records and in fact I'm eligible for another account if I wanted to. I ask that Southwest Credit Systems and other companies like them be investigated for their collection practices and violations of the FDCPA. I would like this company to remove whatever information they have about me or my boyfriend and delete this debt. I also contacted the state ATG in the state of Texas where this company allegedly resides about this company as well as the WA state ATG, the XXXX  and other appropriate entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: MoneyLion Inc.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Money lion is a payday loan app. I've used them for a few months. 

Due to a software glitch, which they wouldn't admit to, they deducted money from my account before the promised date, in breach of contract. 

This caused my bank account, that I've had for 15 years, to overdraw for the first time. 

I took me all day to get a small resolution from them, but it wasn't the amount they basically stole from my account., I really don't think these people need to be allowed access to peoples bank accounts with software they KNOW has problems. 

They paid me a total of {$450.00}, and deducted {$450.00}, and still say I owe them {$300.00}. 

This occurred between XX/XX/XXXX and today. 

I've contacted my bank ; they won't process any more withdrawals from them. 

Still, I can't imagine how many other people were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: CA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

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 2016-05-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
As with complaint # XXXX, I am unable to receive my credit report even when answering with correct information. I have to tried to get small loans only to be rejected for prior loan ( s ) I 've never taken out. This may for student loans as well but I 'm not completely sure. I ca n't dispute any fraudulent charges if I ca n't receive or review my current credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I began receiving a {$3.00} charge on my Chase Visa Card back in XXXX. It referred to a website that does not exist. 

I began by using the online form to request investigation. After multiple months of {$3.00} charges, they finally credited me with {$3.00}, but continued to charge me. 

Since then I have filled out multiple forms online, called the Fraud Department miultiple tikmes and the Customer Service Department multiple times. I have dozens of public and privagte messages to them on XXXX. Each time, they refer me back to the same phone numbers where I must wait on hold for an hour and where someone promises to take care of the problem .... empty promises. Because they don't take regular email, I have no record of each contact. But I have 24 DMs through XXXX dating back to XX/XX/XXXX. 

Finally I spoke with someone a month ago, who said I needed to have a new credit card issues. Despite the annoyance of a new card number, I accepted. 

The {$3.00} charge now appears twice. 

I have spent close to 30 hours on hold or emailing or speaking with them. As the website listed is bogus, this should be easy for them to resolve. I suspect there aer thousands of others being charged for this and Chase makes money on each. 

I've had issues with credit cards as a consumer and as a merchant fro over 40 years. It has been rare for me to ever need to contact the company a second time. I have a history with Chase Visa going  back about 20 years. I pay my card in full each month ( including fraudulent charges ) and have a credit rating well over XXXX. 

This situation begs the question as to whether Chase is doing anything about Fraud. This is not one phone call slipping between the cracks. This many phone calls and emails on such a tiny charge that is clearly fraudulent indicates that the institution has chosen not to act and follow Federal Law. 

I do not understand how they can continue to mishandle this. This is pretty clearcut and does not require a major investigation. They can't even verify the source.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016 XXXX unauthorized transactions were posted to my Wells Fargo checking account in the amount of {$450.00}. XXXX was a credit and the XXXX a debit transaction. The next day, XXXX those transactions vanished from my checking account history. In an effort to find out why the transactions occurred in the first place and why they later disappeared, I contacted my bank by phone initially and later went to my local branch in XXXX, GA. To my surprise, I did n't get any answers from the XXXX employees I spoke with on the phone or the XXXX employees at the local branch. They all appeared to be dumbfounded after researching my inquiry and finding no record of those transactions anywhere in the bank 's records or my account. That is until I provided my account activity records that I printed the day this happen. It was at this point the branch manager stated, " An employee must have made a mistake and reversed the transaction which removed it from my account records. '' If that is the case, where is the audit trail/source records on the bank side? The manager could not provide an explanation to this question. On the same day similar transactions posted to my mom 's savings account and the next day they vanished. Unfortunate, I ca n't prove it, because I did n't print her account activities. This is scary, an employee has the ability to delete/reverse transactions from a customers ' account and the banks own history. This puts me and every other customers ' account at risk of all sorts of misdeeds. Nobody 's account is safe! I have serious concerns of this bank 's internal and ethnical practices. Attached is page 1 of my checking account activity records that I printed which reflects the {$450.00} transactions. Also, the account activity of my checking account provided by my branch.

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 2020-08-17
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
My account is with Paypal. I was given money for my birthday from a friend from a foreign country, XXXX. Paypal put a hold on it from XX/XX/XXXX until XX/XX/XXXX. It was not explained why they were holding the money, and I had to find out from an external source that it was because they didn't have the money yet since it was coming from overseas. This was not the issue. The issue was that they put a high risk lock on my entire account. There is a mandatory three day hold on all transactions except on purchases from XXXX. I was told this restriction would be removed when the payment was approved XX/XX/XXXX. Paypal representatives told me that I could expedite the process by confirming the transaction. I did. Paypal lied and did not expedite the process. Now that XXXX XXXX has come and gone, they have removed the hold on my friend 's gift, but have not removed the lock. I contacted them when I tried to give my father money for food and gas. I screencapped the entire conversation. We made a very quick exchange. I gave them all the information they needed. They then told me that they would not remove the lock from the account. I have not been given an explanation for the lock. They have closed the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07
Company: WELLS FARGO & COMPANY
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My brother has assumed responsibility for paying this account, and he has made late payments. I have no way of being notified that late payments are due or that they are going to be past due and my credit score is suffering, as they are reporting XXXX lates as of right now.

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