BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION continues to violate my rights as a federally protected consumer. I sent TRANSUNION MULTIPLE FTC Identity Theft report ( the most recent is attached ) and letters and filed MANY CFPB complaints in regards to a fraudulent ( and delinquent ) XXXX XXXX  account that continues to report on my credit report. They continue to remove and reinsert it back on my report. The reporting of this account is an ERROR and has been extremely detrimental to my health. The account is NOT reporting 100 % accurate with any credit reporting agencies reporting the account ( see Exhibit A ). I disputed the account right away and XXXX permanently removed the account from my report. How can TRANSUNION verify that the account as " accurate '' when XXXX removed it ( Exhibit B and A show proof ) AND the information between XXXX and TRANSUNION doesn't even match ( ex. the open dates are different ). I have been in this dispute process with TRANSUNION for many many months and my health is taking a toll. If this does not get handled right away, I will be taking legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Signed up for a Mortgage load. Credit company was unable to obtain Experian credit report. 
My login to Experian has been blocked so I can not lift the freeze. 
see below : Membership ID # XXXX Sign In Access denied Error 16 usa.experian.com XXXX XXXX UTC What happened? 
This request was blocked by our security service Your IP : XXXX Proxy IP : XXXX ( ID XXXX ) Incident ID : XXXX tried calling at XXXX - after 3 people couldn't help me, couldn't give me their ID # and couldn't transfer me to their supervisor, I finally reached XXXX # XXXX XXXX XXXX Still couldn't resolve problem. 

Without help from agents and my login blocked- with my membership id showing, Experian is intentionally stopping me from buying a home. My Member ID clearly shows in the Heading of the Error XXXX page - prevented by security.

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 2022-10-29
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act DEPT OF EDUCATIONXXXX Account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase called me stating my name needs to be taken off businessaccout or they were closing business account. They told me they reserved the right to do so when asked why and gave me a XXXX # to call. I called and rep stated they reserve the right. My business call me and told me it was due to an account I had that had check fraud. I put in a compliant Chase executive office sent letter stating they can close at any time based on The deposi account agreement. Not only did they defame my character I never had an open account with Chase that had check fraud. They refuse to send evidence or get out information to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Current address is showing with a unit number but this address does not have a unit number. Disputed address with XXXX  and TransUnion and update did not remove unit number. 
XXXX XXXX XXXX XXXX ( NO UNIT NUMBER BUT XXXX IS LISTED AS UNIT NUMBER ) Please remove unit number from this address

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 see that someone is attempting to open accounts in my name I have several inquires that are fraudulent listed on my credit report and I want them off because its fraud these people just get on my nerves and I have completed a police report and included the FTC report with this complaint. 
inquires : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 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 2023-06-09
Company: PLS GROUP, INC
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: Card was charged for something you did not purchase with the card

Complaint:
So on XX/XX/XXXX there was three transactions that happened in my account at PLS Expectations prepaid debit card one for {$49.00} and two transactions for a {$19.00}. I was able to get back one transaction of XXXX and one from XXXX but the third transaction of the {$19.00} I still have not got back yet and I've been going back and forth for my debit card company to get back this money for the past 2 months it shouldn't take 2 months to get {$19.00} back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, equifax and XXXX display XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights! 
15 U.S.C 1681 sec 602 A. States,, I have the right to privacy. 15 USC 1681 section 604 A.section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I called Zelle today to link up a new bank account with Zelle. The person I talked to said he couldn't because my chime and my XXXX accounts had been hacked. He then asked for access to my phone and said he was trying to catch the hackers. However, at the end of the time on the phone ... about an hour... I did not know what he was doing but the XXXX that was in XXXX and the XXXX that was in my XXXX were gone and every effort I made to ask Zelle to refund the money, I was either hung up on ( about 5 times ) or I was told to do some weird bitcoin transaction to get my money back which I refused to do! 

The first person I spoke to was named XXXX or XXXX and then I spoke to a XXXX XXXX who then did nothing to help me. 

I have reported this theft to XXXX and XXXX but I am out the money in the interim. 

Please investigate this scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 am requesting with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX, XXXX # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXDisputed before yet still remains XXXX XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Winklevoss Exchange LLC
State: CA
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 purchased a course from a company called XXXX for {$8600.00} on XX/XX/2023. Shortly after I found out it was a fraudulent course, I cancelled it, and I called my credit card company Gemini immediately to dispute the charge. I received a letter from Gemini on XX/XX/2023 confirming the dispute and they would investigate the charge. The course was cancelled by WBtrading and I was not able to access the platform. On XX/XX/XXXX, I was notified from my credit card, Gemini, that they completed their investigation, and they determined that the dispute was unsuccessful. I emailed XXXX and they confirmed via email that they refunded the money to the credit card, Gemini, almost immediately. They advised me to pay again if I wanted to use the course. I am attaching the letters from the credit card company Gemini and emails from XXXX confirming the refund of the money to the credit card company. I am requesting the full refund of {$8600.00} plus any interest that the credit card Gemini charged during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Complaint against Goldman Sachs, Marcus Savings Account : I am a customer of the aforementioned bank. My savings account was locked XX/XX/2023. I was not notified of my account lock, I noticed when attempting to log in. I called the bank at XXXX XXXX XXXX XXXX XXXXXXXX and was told my account was locked and was under review. I called on XX/XX/2023 and was told an affidavit of identity would be sent to verify my identity. I received the affidavit, had it notarized for {$15.00}, and shipped the envelope on XX/XX/2023. The bank office in XXXX XXXX XXXX, UT, US received the affidavit on XX/XX/2023, received by " XXXX. '' I called Goldman Sachs at the same number on XX/XX/2023 because my account continues to be locked. I was told I must wait 2-3 business days for the bank to review my account and that I could call back XX/XX/2023. My general complaints : - Savings account has been locked for over 2 weeks. I can not receive paychecks, transfer funds, or access my account. - No notification was given of locked account. - No reason was given at any time for locked account. - I verified my identity by name, special word, birthdate, and last four of my social security number and my account has not been unlocked. - I verified my identity by notarized affidavit and my account has not been unlocked. - Customer service gives me a 3+ business day time frame to call back every time I call. I need access to my savings funds and would like to close my account with Goldman Sachs, but I can not access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have XXXX accounts on my consumer report that are showing as Charged off. These accounts are from : XXXX in the amount of {$42000.00} Bank of America in the amount of {$22000.00} XXXX Bank in the amount of {$8000.00} XXXX XXXX ( XXXX ), the amount does not show on consumer report XXXX XXXX ( XXXX ), the amount does not show on consumer report All XXXX of these accounts show Charged off on my consumer report. 
According to the Internal Revenue Service ( IRS ), a charged off account on a consumer report, must me filed with the consumers tax return as cancelled debt, with form XXXX. Which I have done. Once the account is charged off by the creditor, it is no longer debt, but filed as gross or ordinary income on the consumers tax return. Therefore, the XXXX aforementioned creditors, are inaccurately and incorrectly reporting these accounts on my consumer report to the consumer reporting agencies. 
According to the Fair Credit Reporting Act, a consumer 's consumer report MUST be 100 % accurate. 
These XXXX accounts on my consumer report are, in deed, inaccurate, and I request them to be deleted from my consumer report, effective 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 2023-02-15
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX ( Finance ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

WELLSFARGODEALERSVCS ( Finance ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX ( Auto ) XX/XX/2022 WELLSFARGODEALERSVCS XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a vehicle in XXXX of 2022 that was financed through Wells Fargo and I started to notice after some months that the fees I was being charged was abnormally high. They are currently charging me a interest rate of 6.39 % and a finance charges of {$5700.00}. My loan amount for the vehicle was only XXXX for XXXXmonths. my finance charges versus my interest rate is extremely high and I believe they took advantage of me. I excellent credit and I have never had this happen to 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 explanation
Consumer complaint received 2023-06-09
Company: Upgrade, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have called three times to close my account. Upgrade representatives continue to tell me I can't close my account until the balance {$0.00}. So I opted to do a balance transfer to reduce the balance, and it has taken them three weeks to acknowledge my bank sent them a check. Now they are saying it will take another 2 weeks to credit my account, and close it out. Also charging me interest immediately with no grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This started by not receiving the 4x perks points on my Home Depot XXXX XXXX account as they claim. I asked in the store and nobody could answer why. I was referred to an XXXX customer service number which opened a case to find the problem. One week later when I called them again to see if there was an update, they said case was never opened and they opened a second case. This has never been resolved. 
Second issue arose when I received the attached letter from Home Depot Credit Services notifying me they were sending new cards. The new cards have never arrived. They then for some reason changed my account number and have not given me a reason as to why they changed my account number. I have contacted customer service several times by sending a message to them thru their website when I am signed into my online account with Home Depot Credit Services, asking when am I going to receive the new cards and why has my account number been changed. The sent replies that did not answer either of my questions. On XX/XX/XXXX they sent a reply that my new cards were mailed on XX/XX/XXXX to an address that I removed from account in XX/XX/XXXX. I have asked why they sent the cards to that address and they have not responded. I believe Home Depot Credit Services is responsible for a security breach that lead to my identity being stolen on XX/XX/XXXX. I believe they have had a security breach they have not disclosed. I have closed my account with Home Depot Credit Services, and will now take my business elsewhere after having a commercial business account with them since 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 2023-06-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
BILLING ERROR! I am concerned that the payments I have made to the company are not applied properly. I made a payment from my navy federal card. The ACH PAYMENT for {$10000.00} was RECEIVED on XX/XX/2023 and posted to my credit card. After five days I checked my account and saw the balance was extremely high. I saw the payment that was made and cleared on my credit card back on the account " PAYMENT REVERSAL WITH BACKDATE '' After five days. I contacted navy federal and they told me they could not find an account that I made the payment with. Navy Federal never credit your credit card account until they receive payment from your bank account and then they will post the credit to your account. Attached is the Navy Federal Statement showing they received the ACH payment from my bank account. This response is not a refusal to pay, this is our conditional acceptance proof of REVERSAL PAYMENT. Navy Federal refused to resolve the problem. I would like Navy Federal to correct the billing error and credit back my credit card for the {$10000.00} I paid on XX/XX/2023. Furthermore, report payment to the three credit bureau with the corrected amount!

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