BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: DISCOVER BANK
State: SC
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 am a XXXX and charged a {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) fee on XX/XX/XXXX for a test that is due to take place on XXXX XXXX. 

Soon afterwards, I found out that someone was using my Discover Credit Card and I opened a fraud claim with Discover ( this has been resolved, except for this issue ). ( Discover accidently included this {$450.00} test fee in the fraud claim ) and put a hold on the {$450.00} test fee to XXXX. I did not realize what had happened until XX/XX/XXXX, at which time Discover said they would release the hold on the {$450.00} test fee back to XXXX. 

On XX/XX/XXXX, XXXX still did not have their {$450.00} off the hold from Discover, so they credited my Discover account {$450.00} and asked that I resubmit a new payment for the test. 

In order to not miss the deadline for the XXXXXXXX XXXX, I paid with A DIFFERENT CREDIT CARD, {$450.00}, on XX/XX/XXXX to XXXX to take the test on XX/XX/XXXX. ( Proof of all of this has already been sent to Discover ). 

Discover received their credit from XXXX effective XX/XX/XXXX to my account, however, refuses to take it off my bill AND is charging me interest on the money. 

I have been to the XXXX  and I have had many conversations with XXXX in the Dispute Department at Discover. The last request from XXXX at Discover Dispute Department wanted a statement from XXXX with the fact that a credit is due to my credit card, the last 4 digits of the card, the effective date of the credit due, and the amount of the credit ( {$450.00} ). XXXX promised when she received this information, then the issue would be fixed. She received this information via email on XX/XX/XXXX within days of her request and now XXXX/Discover is still refusing to stop the fraud and financial abuse of me as a consumer. 

The most recent conversation was today XX/XX/XXXX at XXXX XXXX where XXXX from the Discover Dispute Department said they will NOT remove the charge that ( 1. ) they were credited back the money by XXXX effective XX/XX/XXXX and ( 2. ) the test/product that the money was for doesn't even take place until XXXX ( so the charge could be easily removed ). 

I thought your company would be my next step for a resolution to stop the fraud and consumer abuse ( I expect the {$450.00} charge to be removed asap AND any associated interest, and hopefully a written apology ). 

This is fraud at the highest level. I am curious how many other Discover customers are being fraudulated by the credit card company, Discover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX NA XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In XX/XX/XXXX I contacted all ( 3 ) Three Credit Bureaus, over the phone and also online submitted dispute ( s ) pertains to all of the incorrect information on my file. ( It was brought to my attention that my identity had been breached. ) See Below ; ( None of the addresses on file are correct ) My only address is XXXX XXXX XXXX XXXX XXXX La. XXXX Need to be Removed ( See Below ) XXXX XXXX XXXX XXXX XXXX, LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX LA XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, LA XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX My Only XXXX # has been XXXX Please Remove Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Account that were Never Mine : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTE : According to Code U.S.C 1681 Sec. 602A States that I have the Right to privacy.

U.S.C 1681 Section 604 A Sec. 2 My Privacy should be furnish without my written consent.

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 2022-09-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received an email from XXXX XXXX, an executive office case specialist at XXXX XXXX XXXX XXXX on XX/XX/XXXX following my concerns about two checks I recently received via mail from Wells Fargo in the amount of {$27.00} and {$26.00} on XX/XX/XXXX and XX/XX/XXXX. I filed a complaint with Wells Fargo and assigned XXXX XXXX to my case. My concerns were I was unsure of why I received multiple checks and if the checks were in fact valid and official Wells Fargo checks. XXXX stated in the email that XXXX XXXX XXXX XXXX would be sending me an addition check in the amount of {$50.00} for Customer Appreciation. Few days past and I receive a letter from Wells Fargo Bank N.A and inside is enclosed a {$50.00} check and the " For '' line on the check states that this check is for " Closed Deposit Account ''. Im curious to know if this is in fact the same check that XXXX was referring to or is this something different? I have attempted to reach XXXX and his chain of command but have been giving no concrete answers.

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 2022-07-04
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 credit report : Item # XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) In accordance with the FCRA XXXX  15 USC 1681 Section 602 A states have the right to privacy.

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

I have reported previously to the three bureaus, FTC and creditors of FRAUD on the above-mention two 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 2022-07-04
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have used my PayPal XXXX account to receive payments from my customers since XX/XX/XXXX in which I have received over {$130000.00} in payments and never had any issues with chargebacks or holds on funds with my account. Then on XX/XX/XXXX I received an email from PayPal saying that weve determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This was extremely upsetting since I never violated any of PayPals policies. After numerous attempts with different PayPal reps to get an answer on what exactly is the reason for my account being closed, one representative falsely claimed that the policy I violated was that I was promoting and or selling XXXX XXXX  which is ridiculous since my business has absolutely nothing to do with that! I requested for them to send me proof and they refused. 

At the time PayPal closed my account luckily I had a low balance of only {$33.00} in which they kept claiming that is was for damages done. They never specified what the damages were!

PayPal either made a huge mistake confusing me with a different case or they are extremely dishonest company. I would like my account to be reopened since I never violated any of their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
When i opened account on XX/XX/2020 i was told this was a senoir account, and would not be charged any fees, when I saw fees i went into branch to fix this and clsoe account on XXXX they told me they woudl refund fees if i kept account open and switch to paperless billing filled complaint XXXX my account was put on hold many times where i had to go in branch to unfrezze account and that when they refused to cnacle

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 2022-09-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom to may concern there is erroneous/ inaccurate information on XX/XX/2021. I am currently being hit with a bunch of hard inquiry 'd on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. I never gave any car dealership the right to run my credit score 6 separate times on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: SANTANDER HOLDINGS USA, INC.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I been with BOK for about 6yrs, for the last few years i have had health problems and the latest losing my love of my life of 30yrs and our only child a son 24yrs a week a part to the virus. I spent time in the parking lot just to be close to them that was when you couldnt visit hospitals XXXX up until present its been rough after losng my family it triggered a XXXX XXXX i had heat XXXX in XX/XX/XXXX had XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and recently a battle with XXXX  myself. I had my family call BOK let them know about my health and i will be in to take care of it please dont charge my over draft fees. The lady told them she couldnt talk to them but would make notes to the account. But each time i came home i had several charges in fees each {$35.00} well over {$100.00} this last time after coming home from having XXXX  i explain itwas something that couldnt be help, they chastised me like i was a little kid and im almost XXXX old. I been giving up my medication to pay fees but i couldnt do it this time they have fixed it where if i wanted too open a new account i couldnt because they are reporting me as if i did this on purpose but has blacked list me from other banks, Butthe way they talked to me chastised me about my account. I need help out of this and im so stressed over it my XXXX XXXX is high now they are effecting other parts of my life. But i cant pay the checks and over {$100.00} in over drfts im on a fixed income ssi XXXX. They almost seem like loan sharks the way they talk to you borderline threats thru chastising

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
On XX/XX/2023 I sent out my letter, I told the credit bureaus to " investigate every piece of information '' on the accounts listed below, I even went as far as pointing out factual discrepancies on my report. Also I have attached the letter I sent them here is the Tracking # for Equifax : XXXX When looking into what the FCRA considers to " investigate consumer report '' it shows the credit bureaus did absolutely nothing following the FCRA. " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. I stated the inaccuracies directly from my report Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: OH
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2022-07-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a Line of Credit or Equity Line on our home that I applied with for at Suntrust. A merger took place and Truist acquired our loan. When making payment online the payment was not processed correctly because Truist did not recognize Suntrust system. So every month I have needed to call in to get payment allocated correctly. I had two parts to my loan and one was revolving and the fixed loan. I tried to pay small loan off and just have fixed loan option and took 3 months to get this done. Now Truist is saying I owe back interest of almost XXXX dollars which is more than my daily perdiem on loan. When I make a payment they keep taking my entire payment and apply all to interest and no principal for two months now. I have paid full amount due which is a XXXX and now they say they can take all my payment and put it to interest which is wrong since fixed term was to be interest and principal with month per diem being about XXXX  monthly. No one takes responsibility or can fix it due to they dont know why. Every time I have been told it was corrected it has not been.

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 2022-07-29
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

GM FINANCIAL XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: FL
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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Original loan company sold to XXXX XXXX XXXX and the same exact issue is occurring where we are making additional principal payments and they are not being applied. Instead they are being applied as extra payments and changing our due date to XXXX when in fact we have a bi-weekly auto payment set up. We have spoke to customer service and even the escalation department and no one can help us. The reason that we are making additional payments to principal so that we can reduce the years of the loan. Can you help us. We have being going through this for two years and no resolution. I can be reached at XXXX. They have roughly {$12000.00} that need to be applied toward the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX SHOWS OPEN, I PAID THIS ACCOUNT TO A COLLECTION COMPANY IN FULL. I HAVE A LETTER FROM XXXX XXXX XXXX. I HAVE BEEN REPORTING TO ALL 3 CREDIT BUREAUS THAT XXXX XXXX IS CLOSED AND SUMMITED THE LETTER STAYTING ITS PAID IN FULL. ALL BUREAU COMPANIES KEEP SAYING THAT THE COMPANY THAT REPORTED TO THEM SAYS ITS STILL OPEN. I HAVE CALLED XXXX XXXX SO MANY NUMBERS AND THEY SAY THEY DONT HAVE IT OPEN. I DONT KNOW WHERE THE CREDIT BUREAUS ARE CALLING, AND THEY KEEP LEAVING THIS OPEN AND ITS NOT OPEN IT WAS PAID IN FULL AND ITS HURTING MY CREDIT. I HAVE BEEN AT THIS FOR 1 1/2 YEAR AND NOTHING GETS 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