BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made 2 separate claims on fraudulent atm transactions. After being denied a refund, I have called more than a dozen times to speak to a representative from the fraud department with no response or call back that is promised within 24-48 business hours. They made 1 attempt to call me back from an unknown number, which I was unable to answer, out of the dozen that I have made. Their refusal to speak to me about the denial letter is a complete disregard for my financial well being, which I have entrusted in their institution. If they had investigated this claim at all, they would see that I was obviously not the same person withdrawing said funds. 

Beginning on XX/XX/21 atm transactions began to duplicate from the same atm location as I withdrew funds from or other atm locations in which I did not use. The transaction amounts were for the same amount of money as my own withdrawal amounts on the same day. 
The list of transactions below were NOT done by me. 

XX/XX/21 {$160.00} XXXX XXXX XXXX XXXX XX/XX/21 {$3.00} inquiry fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$200.00} XXXX XXXX XXXX XX/XX/21 {$83.00} XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21 {$3.00} atm fee XX/XX/21 {$200.00} XXXX XXXX XXXX XXXX XX/XX/21 {$3.00} atm fee XX/XX/21 {$200.00} XXXX XXXX XXXX XXXX XX/XX/21 {$200.00} XXXX XXXX XXXX XXXX XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm inquiry XX/XX/21 {$500.00} XXXX XXXX XXXX XX/XX/21 {$3.00} atm fee XX/XX/21 {$500.00} XXXX XXXX XXXX XXXX XX/XX/21 {$3.00} atm fee

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
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:
CITIZENSBK  XXXX   XXXX   XXXX    XXXX    XXXX , CT  XXXX  (  XXXX  )  XXXX   XXXX / XXXX /  XXXX   This inquir y was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am owed {$220.00} from my Venmo account that they all of sudden closed my account and are claiming I broke their rules and now theyre keeping all my money because of high risk liability. I did nothing illegal and I am just upset because been emailing and calling for over a month and they refuse to tell me anything due to protection they claim. They make me feel like I am a huge bad guy kingpin and treat me like a criminal when all I am is a single dad. Need help getting my money returned

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.

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 2017-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I Recently Checked My Credit Report And It Stated That All of My Inquiries Were Deleted. Today XXXX/XXXX/2017 I Logged On and They Reappeared. I Also Noticed That My Credit Score Is A Little Lower Because of This Issue.

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 2022-02-24
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX I filed a dispute on and account that closed in XXXX. The account is past 7 years of being on my credit report and Ive filed several disputes for the past 3 years. Experian refuses to resolve this and keeps extending the report to stay on record till XXXX. This is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2022-02-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I attempted to make a payment online in mid XX/XX/2022, the account showed no amount due. I recieved no billing statements not demands for payment until XXXX XX/XX/2022. This included a late fee of {$28.00} ; no payment was requested or listed as due at any time until XXXX XX/XX/2022. This are illegal, unethically charged fees.

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 2020-01-17
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 XXXX XXXX XXXX XXXX Access my account Was it me I began purchases cell phone five ( 5 ) in one year I purchased a XXXX No Preinstalled It had XXXX XXXX installed by XXXX XXXX After XXXX sold them the phones I returned with reciept to no avail I called USAA rep said I love XXXX XX/XX/XXXX Statement {$190.00} CREDIT XX/XX/XXXX {$190.00} NEW CHARGE I do not think one man should be able to make me pay for what I do not want I AM TRYING TO PREVENT IDENITITY THEFT If more banks held cell phones accountable IT WOULD HELP THE INTERNET SECURITY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was contacted very shortly after posting an appliance for sale on XXXX XXXX by a one " XXXX XXXX '', an XXXX user. Cautiously, I asked where the individual lived, and they simply replied " Virginia '', which is distressing when contemplating selling something like a clothes dryer. Virginia is a big state! 

Anyway, the individual requested to pay me via Zelle. After I'd provided my Zelle information, I was given a faked confirmation snapshot, which did not contain enough digits to be verified by Zelle. Upon mentioning this discrepancy, the individual instructed me to check my email ( I had not yet seen any transfer in my bank account or Zelle account activity ). In my Spam folder, there was a suspicious email from XXXX, an intentionally misleading address. The email read as follows : ___________________________________ Dear XXXX, Account Limit Zelle is a revolution in the way money moves. It's a free app that lets you send and receive money with almost anyone in minutes by working with leading banks and credit unions. 

You have a pending payment of {$150.00} USD We should be crediting your account now but we noticed the account has been limited and not a business account so it cant be credited so we need you to contact the buyer to send in the amount of {$500.00} USD to your Zelle account so it can be changed to a business account be credited immediately with {$650.00} USD into your account with a welcome bonus of $ XXXX, which the total sum of $ XXXX will be credited to your account immediately **PLEASE NOTE** Payment will not be credited to your account until refund of additional payment has been refunded for your buyer protection so neither the payer or the payee doesnt lose his/her money! 
You will receive a " CONFIRMATION EMAIL '' from our Zelle Team informing you that the funds has been credited to your account. 
___________________________________ I confronted the " buyer '' about how I had not received any money, and that it seemed very fishy. They denied wrongdoing. I blocked them permanently and reported the email as a phishing attempt. Please look into this individual, I worry they may have defrauded folks in the past, or could do in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: WI
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:
Asked the 3 credit beaurows to validate my negative accounts and never received validation from them on any 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 2015-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Bank XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXHas Falsely Reported Information onto my Credit Reports and have Failed to Validate and Verify to my Dispute # XXXX .Violating FCRA, FDCPA, TILA, XXXX. 
First who am I dealing with? XXXX Bank XXXX XXXX a division of XXXX XXXX Exhibit A ) or XXXX BANK XXXX. ( Exhibit B )? 
What was Done? 
1 XXXX Loan was Transferred as stated in ( Exhibit A ) taken from XXXX XXXX? 
2 XXXX ForeClosure redeemed XXXX Exhibit C XXXX Transunion Remarks? 
3 ) XXXX Reclaimed collateral to settle defaulted Mortgage ( Exhibit C ) XXXX Remarks? 
In Regards to Question 3 Who was XXXX? 
4 XXXX No Loan or Account XXXX Exhibit C ) XXXXx?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and noticed some hard inquires that I do not recognize. 

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 non-monetary relief
Consumer complaint received 2020-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Was paying {$440.00} dollars monthly and with out any notices or calls I was charged XXXX that wasnt authorized by me .... please call me XXXX or email me at XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Experian Information Solutions Inc.
State: CA
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 sent a written request to remove the fraudulent account from XXXX XXXX and XXXX XXXX from my credit report as well as an unauthorized inquiry from XXXX XXXX XXXX XXXX I was told that the results would arrive to my house, however its been months and nothing has arrived. XXXX and Experian are not removing the items and this is causing me worry because someone has used my personal information for their own benefit. 

XXXX XXXX XXXX XXXX / XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX placed on ( XX/XX/XXXX ) Experian XXXX XXXX / XXXX Number: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 2019-03-12
Company: Experian Information Solutions Inc.
State: NV
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 happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.

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 2016-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
They said information for Federal Tax Lien is verified, no and will not be removed until XXXX. I have verification that this is not true SOL was XXXX. So I need them to remove this information ASAP.

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 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Transunion, XXXX and XXXX are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in XXXX years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the XXXX year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XXXX and the XXXX accounts were in the program which XXXX agreed to?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have called Transunion and told them that my name was spelled incorrect. And the information attached to it was incorrect and they informed me that they can not and will not help me.

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 2018-05-31
Company: Synovus Bank
State: TN
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 opened a secured credit card account with XXXX XXXX XXXX in the amount of {$300.00}. The company closed the account saying that I owed a payment of {$99.00} but never said what it was for. They have been reporting to the credit bureaus as an open account and charge-off with delinquent payments. Again this was a secured credit card. The amount of credit that I had with them was based solely upon how much money I wanted to give them to put into the account. The company should have taken the {$99.00} ( assuming that it was a legitimate charge ) out of my security deposit, and then issued me a refund for the remaining funds. In this case, I don't think the charges are accurate, I don't think they have a right to keep my deposit, and I don't think they have the right to continue to report this to the credit bureaus. This account was opened in XX/XX/XXXX. I  made 1 purchase with it for {$50.00} and paid the full amount before the bill was due. I received no bills from the company other than the initial one. The next correspondence I received from them was a bill showing that I owed {$99.00}. I called the company and asked what I was being charged for. That's when I was informed that my account was closed, and I was not given any explanation for the charge or why the account was closed. They also didn't start reporting until XX/XX/XXXX and have been reporting inaccurately since then. 

This company basically took {$300.00} of my hard earned money under the pretense of building my credit up, then closed it at their convenience, and kept my money on top of it. And as an added bonus, instead of them helping to build my credit, they have been helping to destroy it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Avant Credit Corporation
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The interest rate is 35 %. At the beginning of the loan I was not told that the interest rate would be this high. As a matter of fact the advertisement said that the rate would be around 6 %. They changed the terms of the loan which they called restructuring of the loan to change the payment and they never honored the new payment of {$100.00} a month. I have paid for about 7 payments of this loan on this and still own the same amount as when I started out. About 3 months ago when I had to change accounts or method of payment they would not let me change checking accounts to make my monthly payments. The fees are out outrageous. They are already gouging me at a rate of 35 % interest plus bogus fees attached to late payments. Predatory lending practices at best. Customer # XXXX Loan Id. XXXX Avant 's Contact Info. XXXX Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
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:
Hard credit inquiry for a mortgage, i am not looking for a mortgage, i did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I closed my XXXX 's XXXX MasterCard account at Synchrony Financial because of fraudulent activity. Synchrony Financial kept the accumulated cash reward and would not respond after the first communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX is reporting that I owe {$620.00} on mycredit reports I never had a XXXX XXXX card nor was I a authorized user on this account like they are tellng me not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation