BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: Mr. Cooper Group Inc.
State: NJ
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:
Pulled credit report twice within a week and did not remove second inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I was recently reported late on my XXXX account. I made a very small purchase and later exhanged/returned items. It was my understanding explained to me from the cashier that I did not owe a balance. Therefore, this small balance slipped through the cracks and ultimately caused me to be late. This is an honest mistake and I kindly ask XXXX to reverse the late payments as a sign of good faith and goodwill. My credit is suffering from this honest mistake and I am unable to get reasonable financing terms for day to day living expenses. Please help with removing the lates associated with this account.

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 2022-09-27
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
This is follow up of XXXX, because Truist misled me into use their bakance transfer offer, and refused to cancel the deal and refund interest they illegally charged me ; i returned all the money to the credit card last week, expecting tgem give me answer on the charges they should not have made on me ; without such response I managed to pay all that charge last night, although I don't agree to it, suppose my balance should be zero with this payment.

But to more negative surprise, the payment was not reflected on the account ( but marked as complete in my checking account ), they went to withdraw another {$210.00} on already zero balance account.

What is thus bank doing to serve customer other than charge and charge? This fraudulent deal had caused my big hardship, decrease of my credit score, why they are allowed to take time again and again, and make unjustifiable charge on old people? also CFPB us doing to protect people against such damage?

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 2022-09-27
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I purchased XXXX XXXX  through the XXXX XXXX XXXX and paid via paypal. Amount XXXX. Seller never delivered the goods. 

I contacted XXXX, paypal and my bank. None of these businesses did anything to help with the problem. 

The paypal transaction is as follows : XXXX XXXX XX/XX/XXXX, XXXX.Money Sent - {$180.00} Your recipient should have the money by XX/XX/2022. 
Repeat this transaction Paid with {$180.00} Transaction ID XXXX Contact info Message XXXX XXXX Details Sent to XXXX XXXX {$180.00} Fee {$4.00} Total {$180.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had my student loan since 2006 I have always attempted to be on the income-based repayment program IBR. The student loan servicer AES has continually lost applications not processed them and often times pushes me into programs that are beyond what I get monthly from Social Security XXXX. many times I will take pictures or send my applications by certified mail they are often lost and then my loan is recapitalized enriching the company well damaging a XXXX persons life. The callous nature in which they have dealt with us the violations of law must be investigated. By not allowing me too enroll in the IBR they have caused dramatic financial hardship for my family and have continually flaunted and violated the law by not accurately recording my payments to IBR and making it so hard for a person with a XXXX to get a ADA accommodation to assist in solving it. I have this year sent to certified overnight packages with the IVR program and tax information as requested I videotaped that the information going into the envelopes was what they asked for and showed on the video handing it to the post office the post office says they were delivered and received and yet AES company denied as they received them the third attempt I went online and with assistance from a Student Loan counselor at AES completed the IVR application and electronically submitted my tax information all of this was verified during the call and yet they denied they received it and re-capitalized my loan and clear violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
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:
This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I received a charge for {$24.00} on XX/XX/2019 for the continuity of a premium Experian subscription. I never registered for a premium subscription and only ever used the free subscription services. Experian has my debit card information from when I purchased a one-time credit report for {$1.00} on XX/XX/2019. 
I called Experian about the charge, which occurred on a Sunday ( XX/XX/2019 ), but their customer service office was closed. I was able to use the automated system to cancel my membership and was given a transaction number for the cancellation of my free membership. 
I then called my bank on XX/XX/2019 to submit a claim to dispute the charge. My bank approved my claim on XX/XX/2019 and reversed the charge of {$24.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. There are also inquiries on my report I did not authorize

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 2022-09-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was mailed to my home an offer for new customers. I had to open a checking a checking account at CITIZENS bank and receive {$300.00} With the same offer, open a savings account and also receive {$300.00}. " XXXXXXXX XXXX {$600.00} FOR SWITCHING BANKS. After not receiving the money, I went my bank manager who assured I was qualified to get the money. He sent a formal complaint to and said Citizens that was all he could do. The bank would call me or just deposit the money. That was XXXX. The case number if XXXX. My manager said this has happened a lot with this advertising. I still have heard nothing. This is a type of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Block, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 my dispute was denied from here in the amount of {$900.00}, {$920.00}, & {$300.00} someone made unauthorized charges on my account & I reported it as soon as I found out I thought there was fraud protection on things like that they refuse to refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Attempted to contact company several times and have not received a response from anyone. 
Company : XXXX XXXX was acquired by XXXX XXXX. Neither company is helping us to get a lien release for a vehicle that's been paid off for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX XXXX Account, 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 non-monetary relief
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I got a new phone and locked myself out of online banking app didnt recognize my device, I contacted Chime member services multiple times and they adv that I Had send in document to the email which I sent dL, Phone bill with number, I also sent proof of address and I was told someone would get back to me within 24-48 hours no one reach out until the 3rd day requesting the same information and I adv them that I had already sent will send again. I called multiple times adv them that I need to use my account to pay my bills all my money is in account, which had cause my electricity to be shut off as well as phone bill, I spoke with several supervisor only thing they can do is send an email and esculate the case. I was told multiple times that someone is working on getting restriction off acct I have yet to get into account I continued to reach out and was adv that if I keep responding they are going to extend the time of working on my case please help I am a single parent of 4 and need to pay my bills,.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: DE
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 this creditor has violated my rights under 15 USC 1681section 602 I have the right privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Harbor Legal Group, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I enrolled and availed in the debt consolidation program with the Harbor Legal Group and XXXX XXXX XXXX ( XXXX ) last XX/XX/XXXX and they started deducting from my checking acct XX/XX/XXXX, initial payment was {$200.00} breakdown of this amount ( {$55.00} goes to savings, $ XXXX-Retainer 's Fee ; {$27.00} Admin Fee ( {$55.00} Mo 1-9 ) ; $ XXXX Service Fee ) and XX/XX/XXXX deduction from my checking acct was {$200.00} same breakdown. Then from XX/XX/XXXX to XXXX/XXXX/XXXX amount deducted from my acct was {$170.00}, then XX/XX/XXXX to XX/XX/XXXX amount deducted was {$190.00}, then from XX/XX/XXXX to XX/XX/XXXX amount deducted from my checking acct was {$170.00}. For more than 3 years there were 3 credit card companies only that were settled out of 6 credit card companies that I have a balance with. Upon enrollment in the program I had a Total amount of debt {$21000.00}, they gave me an estimated amount settlements which was {$8800.00}. Service cost percentage was 12 % ; Estimated Total Fees and Settlements was {$14.00}, XXXX. From XX/XX/XXXX to XX/XX/XXXX the total amt deducted from my checking acct was {$12000.00} from this amount the total amount paid to the 3 credit cards was {$4800.00} for that more than 3 yr period. Total amount paid to Harbor/XXXX  was {$7700.00}. At present, I still have 3 credit cards unpaid/to be settled, I have no choice so I opted to extend the program so those 3 remaining credit cards be settled. As of now, I still have money with them amounting to {$1300.00}. I was informed that one of my credit card I owed more than 1K only, I suggested to them to settle the credit card with that balance since I have enough with them to pay it off, but I was informed that the negotiator wanted to settle the other credit card first, which I owed more than 5K. I've been following up with them about my suggestion to settle the lesser amount first but I was only informed that they will get in touch with the negotiator to call me. I followed up with them twice already but negotiator hasn't called me yet. This is the reason why I decided to get help from you, because I believe that they are taking advantage from me. In the first few days, weeks and months with my enrollment in the said Consolidator they've been updating me but after 6 months to 1 year they rarely call or update me. This matter makes me anxious, stressful and I had sleepless nights. I wanted to settle all my credit cards or pay all my debts with those Companies. I have the necessary documents that justifies all the numbers that I mentioned in this complaint I can submit it to you when needed.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: MI
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/2022 Adverse action was taken against me due to unfair and inaccurate consumer report. I was denied personal services by XXXX XXXX and the reason for was because of the consumer report score. They did provide me with Experian information which is the source of where they got the information. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) Consumer reporting agencies must have permissible purpose written consent from the consumer to furnish such information. I also find inaccurate information on the consumer report including names addresses and accounts there's also inquiries that is showing in which I received no benefit or have any knowledge of that I wish to be deleted. Experian has 14 days. It is your responsibility to make sure your being fair and protecting my right to privacy. Thank you

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 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today is XX/XX/2022. On XX/XX/2022 my wife & I successfully established links from our XXXX savings accounts at Capital One Bank to two external bank accounts at XXXX Bank, both being on-line banks. This included entering 2 trial deposit amounts that Capital-One placed in each of the XXXX XXXX XXXX  accounts XXXX Then from within the CapitalOne website, we each made transfers from each of the XXXX XXXX Banks to each of the two CapitalOne savings accounts. One transfer was less than $ XXXX and the other one around $ XXXX. On XX/XX/2022 we get emails from CapitalOne to inform us that due to " unusual activity '' they were restricting ( which turned out to be freezing ) each of our two accounts. I contacted them and they claimed that they had to put a hold on the transfers for 15 days. At this time, we can not withdraw anything, but can only deposit to the two CapitalOne savings accounts. I believe that this is unreasonable! We are not terrorists nor money launderers. Meanwhile, the amounts have been deducted from the XXXX savings accounts & transferred to the CapitalOne accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: GA
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:
To whom it may concern ; XX/XX/2022 XXXX, XXXX, Equifax : Furnished knowingly fraudulent information on behalf XXXX XXXX XXXX of a balance of {$190.00}, such as late payments, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be find under title 18 or Imprisoned for up to 5 years, or both. 

Please delete this account immediately. After you have finished my request please send me a copy of my credit report reflecting these new changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The XXXX XXXX XXXX XXXX letter dated XX/XX/2021 does not legally justify the unauthorized charges disputed within it, XXXX XXXX  Closing Account Statement, shows XXXX balance due as a credit balance due and closing account date & XXXX Credit Report, which alone shows " No Data '' for the XXXX XXXX Credit Card account balance and scheduled payment, which is false data, because XXXX XXXX Credit Card with a {$1000.00} credit limit was never investigated thoroughly to receive from me a " Declaration of Fraudulent Activity '' as indicated in the above letter, by both XXXX XXXX and all Credit Reporting Agencies to the CFPB, such as XXXX, XXXX, TransUnion, and any others! 
XXXX XXXX never justified the need to use only the unauthorized signature or voice facts of " On XX/XX/2021, we resolved the dispute in the merchants favor and rebilled the account because the email address provided by the merchant matched the email address we have on file for XXXX XXXX. Also, the phone number provided by the merchant matched the phone number used to call our Risk Department by XXXX XXXX. Finally, the address provided by the merchant matched the address on file. ", to validate that I authorized the purchase of any products and/or services, because these charges were unauthorized by me in any legally valid manner, whatsoever!

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