BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-26
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: Account information incorrect

Complaint:
On  XXXX  we tried to get a modification of our mortgage loan but we did not get it ; therefore, we decided to ask for a Short Sale approval. We got the approval from   XXXX   ( they had purchased the original lender ) on  XXXX   XXXX , and the whole short sale process was finished by  XXXX   XXXX .     Almost 3 months later, on  XXXX   XXXX , we received a letter from  XXXX  announcing again we did not qualified for modification and asking to take one of the options they explained to avoid foreclosure. Obviously, we did not pay attention since we supposed that eventually someone in  XXXX  would realize of their mistake. Unfortunately for us, it seems it was not the case, and a negative entry in our Equifax and   XXXX   reports says " Account paid after foreclosure started ''.     I have filed this dispute to Equifax three times. The first time on  XXXX   XXXX   XXXX , the only thing we got was a  XXXX  points reduction in my score. Second time, on  XXXX , Equifax did nothing. On  XXXX   XXXX  this year, we filed again a new dispute and sent proofs : Approval from  XXXX   (   XXXX   XXXX   ) , HUD Deed  (   XXXX   XXXX   ),  Mortgage Release (  XXXX   XXXX  ) and the inconsistent letter announcing a future Foreclosure dated  XXXX   XXXX   XXXX . At the same time I faxed all these documents to  XXXX .     Today I got an alert from Equifax and the false statement is still there. I called Equifax and despite the fact of being their customer for many years, and even being totally aware of this false statement because the letter announcing foreclosure was produced and sent  THREE  MONTHS AFTER we had settled, they said they can do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Revolut Technologies Inc.
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I started to use Revolut app about a month ago. Also signed up for premium. 

At first I attempted an exchange and was charged a large fee, so I inquired and was told I was advised to sign up for premium membership. 
Then I attempted another exchange today, I noticed after the transfer that I was charged a large fee ( XXXX $ ) again without any clear notice of the same. This was contrary to what I expected as I was told by customer service to get premium to avoid fees. 

Then when I reach out to customer service, I get an explanation that this was a weekend charge. I did not see a fee displayed prior to the exchange. I attempted to bring up the same screen to see how the exchange makes it clear that there would be a fee. Heres what I discovered - REVOLUT INTENTIONALLY HIDES THE FEES BELOW THE BRIGHT BLUE EXCHANGE CURRENCY BUTTON.

This is clearly intentionally deceptive and fraudulent. I've requested a call from a manager and was told they don't allow speaking with customer service and must rely on chat feature in the app, who are not helpful at all. 

Attached is a picture of your app clearly showing the deception at work. 

Thanks for your attention to resolving this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-26
Company: U.S. BANCORP
State: OH
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:
Too whom this my concern : Hello my name is XXXX XXXX, I received a reliacard from US Bank and I made a purchase on the card for XXXX XX/XX/XXXX and return the purchase on XX/XX/XXXX. I few day past I notice that credit has not return the card, so I call open a dispute. When the rep went over the disputed details I was told that I will received a provisionally credit with 10 days. So today XX/XX/XXXX we are on the 11th day and no credit has been given so when I call today I spoke with XXXX, she explains to me that I would not be getting a credit and I explain to her that I reviewed the term of condition states that within 10 business day the credit will be issues, XXXX stated that we dont have to follow the terms of the card, which I thought was odd. But here are copies of the term of the card, copy of the receipt and detail display the store. Thanks 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 monetary relief
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
A computer glitch that was TransUnion 's problem - not mines - caused inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and my rights were violated by TransUnion. I am asking that you all help me make TransUnion stop victimizing me. As a resolution can you assist me so that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2022-03-26
Company: ALLY FINANCIAL INC.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an auto loan with Ally Financial opened on XX/XX/XXXX. In XXXX of XXXX I encountered financial difficulties and was unable to make payments, and the car was repossessed a few months later. I had a second auto loan in XXXX of XXXX from Ally which I also fell behind on, and it was also repossessed during that time. 

In XX/XX/XXXX, court case XXXX ( Ally Financial XXXX XXXX XXXX XXXX , the XXXX Judicial Circuit Court certified a class action for customers whose autos were repossessed prior to that date. I was subsequently notified that I was a member of that class ( details on the court case are found here : http : //www.allynoticeclass.com/. ) As part of the final amended settlement order issued XX/XX/XXXX, Ally Financial was ordered to cease reporting repossessed tradelines to the CRAs and to request deletion of these tradelines. 

The settlement order instructs Ally to maintain an email address, XXXX, for customers to contact to notify Ally that their tradeline has not been deleted and to request that Ally send a " XXXX  XXXX  XXXX  '' or similar to the CRAs. On review of my credit report from the XXXX bureaus dated XX/XX/XXXX, one of my Ally accounts was deleted in accordance with the order, but the second was not, despite also being covered by the order. I contacted Ally Financial at the XXXX email address requesting deletion, but have received no contact from them, nor have they sent a deletion request to the 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 2017-05-26
Company: Nationwide Debt Management Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a voicemail on XXXX XXXX requesting a call back from XXXX XXXX with Nationwide DMS and the number provided was ( XXXX ) XXXX with her extension. I did not call her back. The very next day ( less than 24 hours ) I received a call at work from her. I informed her it was my work number and she said she was aware but she was a debt collection company attempting to collect a debt and she was notifying me that they were pursuing legal action if not paid. I then explained I can not pay, I am in the process of retaining an attorney for bankruptcy. She then proceeded to tell me that these fees can not be included in a bankruptcy which to my knowledge is incorrect but neither I nor she is an attorney and should n't be providing that information. She was very persistent and made it seem like I must call her back today ( if I can pay or make payments ) or they will file suit in small claims court. I called her back a few hours later and she became irritated that I told her I could not pay. She threatened to revoke my drivers license ( this is collection for unpaid tow yard fees ) I told her my license was suspended for a XXXX and she laughed and said " that 's too bad '' and then began to harass me about my living situation. Asked if I lived with my mom, insinuating I do not pay rent and that I could pay the balance. Also said " Well you have a job do n't you? '' These allegations should not be coming from a debt collector. I felt harassed. She would not let me talk and continued to talk over me saying they are going to pursue legal action since I 'm lying about not being able to pay. She then hung up. I called back to talk to her supervisor, and I was unable to get a word in and she hung up again. I called the number she provided in her voicemail the day before to complain about her tactics. I filed a complaint with XXXX. I do n't know if that even would help. I also informed them to remove my work number from their file as it was a XXXX XXXX XXXX. I have never received any written documentation from Nationwide DMS directly. Only the creditor itself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
The credit issuer ( Chase ) continues to charge me APR ( 29.99 ) Fixed with no justification for doing so. Average monthly interest charge under these current condition 's of a least {$200.00}. I have been current with my payments2nd issue since XXXX/XXXX/2015 the issuer has changed the way they allocate payments. From XXXX/XXXX/2015 minimum payment will be applied to the higher APR balance therefore yielding less of a deduction in your remaining balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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 have been making purchases from home depot using the home depot credit card for many years and continue to be charged for items ordered but not yet picked up or delivered. The retailer will charge my credit card and begin assessing finance charges even if I don't have the item. I most recently XXXX XXXX, 2020, made a {$3000.00} purchase at the XXXX  XXXX at the XXXX va home depot but I wasn't able to pick up or otherwise take the items charged with me. My contractor later visited the store and it was decided not to pickup but instead to cancel the order. As of XX/XX/2020 I was billed as if I took possession of the products. This has happened many times and credit services will not credit the purchase. Home depot requires that I go back to the store so they can release the products from inventory thus making it obvious that the products never left their warehouse

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 2019-06-07
Company: Athena Bitcoin Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sent XXXX $ in XXXX to the service Bitquick.co Their buyer uploaded a non existent and invalid XXXX  receipt. They are not returning my XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, On XX/XX/XXXX I received a letter that has the date of XX/XX/XXXX at the top from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR, XXXX This is the company that administrates my XXXX XXXX Credit card, issued by XXXX XXXX XXXX that I have had a perfect record with for approx. 6 years. I have spent thousands and thousands of dollars on this card/account. 

The letter says that due to inactivity my account/card has been closed ( 24 months of inactivity ) and the closure is effective immediately. I called the company and asked why can not this be turned back on? I want it back on and to use it. They said they would love to ( this is the 1st, 2nd, 3rd, and 4th person I spoke to in progression of supervision ) turn it back on but the system can not turn back on an account that has been closed. 

This has effected me via my credit score. It has lowered my overall available credit dollar wise. It has also closed my second longest aged credit account. This will also force me into a hard inquiry to replace the card as well. So in many ways this has impacted my credit score and it is not fair as a consumer. 

I asked why I received no notice that the account was to close? No call or mail stating this would happen. The reps said well you could have used it online and I asked who buys diamonds online? Seriously? But if I had known I would have bought a smaller purchase just to keep the account open. 

The main issue of why I couldn't use this card this year is Covid. I didn't use it last year as I had just paid off several purchases and the jewelry for my wife and family/friends was all still pretty new. So I skipped XXXX XXXX and etc. XXXX is different and I have been actively going to the local XXXX XXXX as well as many across several states ( I travel as an executive for my business employer ) and none of the stores are open. 

I feel that this is an unfair act and the company is exercising it's terms in an unfair method outside of good faith to me as their credit consumer. A simple phone call, email, or letter would have not only avoided this but also gotten them a sale/profit. Instead they have closed this account without warning and using an extremely poor excuse to not be able to fix it. Basically once its done it is done. Well their IT people could fix this is they wanted to. 

I was under the impression that it was not " legal '' or allowed to close a consumers credit account during this pandemic. Is this true? Can someone help me? All I am asking for is the account to be restored to it's previous state and I will use it immediately and regularly. 

( I recorded this call the same as they told me they were doing and have the file available if need be but it is too large to upload in this complaint. Over 10 MB. ) Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The credit card guarantees that I won't be held liable for unauthorized or fraudulent charges. But the bank failed to honor a valid credit card claim. I disputed a transaction ( Claim number : XXXX ). The bank has misguided me during the dispute process and failed to properly pursue the dispute even though it is a valid one. The bank informed me that the dispute is closed and it does not want to take any further action to process my valid dispute. The bank has a copy of all the information needed regarding this claim.

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 2017-05-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I was trying to make a high ticket purchase and was advised that I have a judgement fr om  XXXX  County Court/  XXXX   XXXX   XXXX   XXXX   XXXX  /Wachovia Bank. I closed a Wachovia Bank account I had back in  XXXX . To my know ledge it was in good standing. I used the checks from that to pay my rent. After moving from  XXXX  in     XXXX   I have been in contact with my previous landlord and the last check I wrote them for my last month of rent went through fine. Since I no longer live in   XXXX   I never received the correspondence from the court regarding that lawsuit when it was sent out. I contacted the courts and was provided copies of the documents that were submitted. In these documents there is nothing showing how the account became overdrawn or delinquent. I was expecting a statement of some sort from the bank showing the fees but there is n't one. I did not receive a call from the bank to notify me that the account was overdrawn or a letter. To my knowledge the collection agenc y,   XXXX   XXXX   XXXX   XXXX   XXXX  ,  did not contact me either. My phone number has been the same for many years. on   XXXX   XXXX   , I called Wells Fargo cus tomer service. They were not able to pull up the account. I was transferred to the collections department and they were not able to view the account. I spoke to someone in the department where Wachovia accounts are handled and they could not pull up the account. Eventually, I called the executive office and was transferred to someone 's voicemail. I left a message and have not heard back from her yet. My main concern is that all of this may be due to fraudulent activity. I feel like I am being forced to pay for something without solid documentation. I contacted the attorney and the only thing he wants is money. At first I was going to just go ahead and pay the attorney {$1000.00} but that 's a lot of money to pay out and not know what is going on. How do I know if this is n't due to the fraud that took place  at Wells Fargo?

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 2022-10-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, my name is XXXX XXXX and I am a real person. I am writing to you in regards to the Credit Reporting Bureaus such as XXXX, Equifax and XXXX reporting incorrect information on the credit reports. I have my rights protected under the Fair Credit Reporting Act and the 15 U.S.C. 1681. I have been trying to remove wrong invalid addresses from my credit reports, sent letters and called numerous times and asked XXXX, XXXX and Equifax to remove wrong and undeliverable addresses from my credit report. I am missing important mail and I don't need these addresses reporting and I don't want ANY of my mail to go to any of the addresses by MY CURRENT ADDRESS. My current address is : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, VA XXXX. I will attach supporting documents, my bank statement and my recent utility bill to provide evidence. Please help me resolve this issue. The only address that MUST BE REPORTED IS MY CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX! According to the FDCPA 15 USC 1692g the bureaus have to report XXXX percent accurate information. 
Please remove the following addresses from my credit reports : XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 
All these addresses are incorrect and not deliverable and must be removed from my credit report. I will attach supporting documents and my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
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:
n accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2020-03-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XX/XX/XXXX XX/XX/XXXX CFPB XXXX XXXX. RESPONSE USAA CONFIRMS XX/XX/XXXX XX/XX/XXXX numerous temporary credits. 
What is NOT REPORTED IS TRUTH TEMPORARY CREDITS ** NEVER MADE PERMANET*** XXXX XXXX USAA rep CONFIRMS USAA HELD ME THE CONSUMER LIABLE FOR THIS {$470.00} FRAUD REPORTED XX/XX/XXXX. See attatched CREDIT CARD FRAUD CLAIM date XX/XX/XXXX ONLY THE BALANCE OF STATEMENT {$470.00} WAS REPORTED FRAUD BY ME. ** XX/XX/XXXX USAA CFPB RESPONSE HELD ME LIABLE FOR THE {$470.00} FROM XX/XX/XXXX Then ( month later ) XX/XX/XXXX USAA SENDS FRAUD CLAIM LETTER XX/XX/XXXX ( CREDITS MADE PERMANET ) viewing XX/XX/XXXX STATEMENT, CLEARLY USAA CREDITS NEVER MADE PERMANET EVER. XX/XX/XXXX STATEMENT AS CONFIRMED BY XXXX XXXX CONFIRMS ONLY CREDITS XX/XX/XXXX WERE MERCHANTS {$340.00}. USAA PLACED REVERSALS OF TEMPORARY CREDITS. {$340.00} NEVER GIVEN XXXX XXXX XXXX, XXXX see XX/XX/XXXX STATEMENT. 
USAA HAS NEVER PROVIDED PERMANET CREDITS & TEMPORARY CREDITS of the {$340.00} WERE NEVER GIVEN XX/XX/XXXX TO REVERSE XX/XX/XXXX & XX/XX/XXXX the entire transactions are back on the card AS NEW CHARGES??? XX/XX/XXXX, XX/XX/XXXX = {$810.00} ( USAA ADMITS THEY HELD ME LIABLE FOR {$470.00} UNAUTHORIZED TRANSACTIONS????? XX/XX/XXXX ) XX/XX/XXXX TO CFPB AND THEN ** XX/XX/XXXX CREDITS MADE PERMANT.??? CAN NOT BE BOOTH THERE ARE NO USSA CREDITS EVER. Internal hidden credits are UNACCEPTABLE. This is over two years later. Where are all of my INTERNAL HIDDEN fraud  credits????? USAA DESTROYED MY CREDIT!!!! USAA LEAVES CONSUMERS LIABLE FOR UNAUTHORIZED TRANSACTIONS AND IT IS CONFIRMED BY USAA XX/XX/XXXX TO CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation