BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Around the time i opened the credit card, i was making payments on time but i lost my job. And they closed the account put interest on it and sent it to collections. I has become a hardship for me because i cant get anything approved even apartments. 
your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, 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 2017-06-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Back in XXXX of 2016 I purchased some furniture from Bassett furniture, and decided to use the wellsfargo card they offered and utilize the promotion they had. It was deferred interest for a year I made three sepetate purchases. One was for a large amount the other two were smaller amounts. Throughout the course of the year I made payments toward my balance with the understanding from them that all the money I was paying was going toward the main first promotional balance. I am close to the end of my first promotion and was going over numbers and realized that the money I was paying all this time was indeed not going to my main promotion. When I called them to ask what was going on, I was informed that I did not have a credit card but a loan. I began to explain to him I did n't take out a loan I had have a credit card, a XXXX card, and that every month I get a credit card statement. He decided to continue to belittle my intelligence and offer no help, rather pass me off to a supervisor. I spoke briefly to the supervisor and he said that I should of known this was how they operated, that he would get back with me, but never spoke about how out of the twenty times I called over the course of the year the employees should n't of lied to me. I would of not made any purchases with them had I know this, much less numerous ones. PLEASE do not for any reason use wellsfargo bank card service for any reason. They do not operate like any other card companies at all, they make sure you are undable to pay off any of your balance on time, and will lie and twist the truth to get you to use them. I have used many promotions and neve have I been scamed like 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 2022-09-05
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
AGAIN NAVY FEDERAL CREDIT UNION has denied me for an emergency medical loan for {$2000.00}. Even though the last payments on my credit report are old ones, my credit score went up XXXX points. I am sick and tired of filing complaints against NFCU. As a veteran with over 35 years membership, I thought I could count on them. They have over {$4900.00} directly deposited every month. Yes, Im behind thats why I want to consolidate or get a loan so that I can have one bill ( the repayment of the loan ). I am very upset as I trusted NFCU to take care of their own. But it seems people who have money and people who lie can get money, but honest service connected veterans like myself catch XXXX trying to catch up which in turn affects our mental health. All I wanted was to catch up on my bills, thats it. I want this published because I hear a lot of complaints from veterans but I want others to see its ok to publish. It wont hurt. Thank you, XXXX XXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
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:
I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: TX
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-09-05
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a secured credit card with First Progress, I am in the process of moving and got a notification of a massive decline in my credit score, it was through some investigation that I was able to ascertain the source being FirstProgress. The late charge is for an annual membership fee which when set up was on auto renewal and yet somehow didnt take hold on their end. My complaint is that according to their user agreement I am to be informed of any late payments or just in general I am supposed to receive account statements which would have done similar. Although I had attempted to update my address the company confirmed that no such messages were sent to me about late payments or any attempt to rectify this issue before reporting to the credit bureaus. When I realized this payment was due I immediately made the payment of the fee and the late charge associated with it. But because of the lax system in place with first progress another charge was affixed to the account before the payment transaction concluded. This is a secured credit card whoms only perceived purpose is to help build credit and in fact it serves to do the exact opposite by failing to uphold even the most basic standards present in other credit card companies and even its own user agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This is in regards to my Toys R Us Charge. In on XX/XX/XXXX, with a XXXX balance on my card, I made a {$28.00} purchase, but did not receive a statement in the mail. I called on XX/XX/XXXXto inquire about my statements, I was told they were set to electronic and I asked to have that changed to paper. I paid the balance of the card, and returned it to XXXX. Because I keep a XXXX balance, I am not mentally aware of the payment cycle and require statements to remind me of payment amounts and due dates. In XX/XX/XXXX, I made a total of {$230.00} in purchases. In XXXX, I called because I still had n't received my statement. I was told it was mailed on XX/XX/XXXX, to which I stated that it was a Federal Holiday and the USPS was closed. I was assured I would receive it. I made several more calls advising that I had not been receiving statements until XX/XX/XXXX, when I was told that the spelling of my City was not correct, and it was updated. I asked for copies of all the back statements. I sent a letter on XX/XX/XXXX requesting that the late charges be credited back to me and any interest paid on those charges be credited back as well, due to their error in sending my statements to the wrong mailing address. I received the back statements in the mail, as well as subsequent statements but no response to my written request, it has been more than 60 days. I have again brought the account to a XXXX balance. I paid a total of {$350.00} for {$230.00} in purchases. The fees and interest totaled {$120.00}, over 52 % of the total cost of the items. The resolution I am hoping to achieve is a refund of the late charges and interest paid on those late charges. The issue receiving my statements has been addressed.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 NOTICED A CHARGE OFF ACCOUNT WITH XXXX XXXX XXXX THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED XXXX XXXX  AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH XXXX XXXX. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO XXXX XXXX XXXX THAT I WOULD NEED TO CONTACT THEM .XXXX   DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED XXXX XXXX  BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN 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 2019-11-30
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 status incorrect

Complaint:
Had accident and was in hospital and later XXXX. XXXX. May have been trying to reach me during this time when I was hospitalized or when I was later at home under heavy medication. On the sister account, they had me listed as deceased. I tried to make payment on my account and could not. On XX/XX/XXXX I  called again and was told my account was charged off that same day and pending sold to a collection agency. I tried to persuade the company to let me settle my account but they told me to call back in 72 hrs to find out where my account was sold. The account was for about {$290.00}. I dont want to get negative credit for that when I tried to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau thedate of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2019-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/19 I went my bank and made a over draft that put my account over XXXX not - {$300.00} over the bank of America owe me {$110.00} due over charging over draff fees and now I want all fees to be waived and this isn't the the first time that bank of America has did this to me, I'm requesting an investigation into this issue and this company need a professional baby sitter looking over shoulder to make sure that none of these workers are stealing money from customers.the problem is the bank of America charged me to much over over draft fees, I believe that the XXXX lady their had something to do with stealing my money as I am having problems with a XXXX family that live across the street from me and I believe that each and every bank worker at bank of America took a part in fraud and co-conspiracy in over charging my checking account sincerely 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 2018-06-13
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a Discover charge card that was discharged and received a XXXX. I had my wages garnished without notice in XX/XX/XXXX without representation. The collection firm that used a justice of the peace located over 50 miles from where I reside. The collection firm XXXX XXXX XXXX XXXX  formerly known as XXXX XXXX XXXX filed and garnished my paycheck. Case XXXX XXXX file number XXXX filed for notice of renewal of judgement with an expiration date of XX/XX/XXXX! The original debt was discharged from Discover with a XXXX. On XX/XX/XXXX a Notice to Discharge and Release Garnishee was mailed to me. But later they secured a judgement to renew. XXXX XXXX XXXX  is using predatory tactics by courts to collect on a discharged account. I have been unemployed for the most of the last seven years. I last year I only made {$130.00}. This judgement makes it difficult for me to retain a job. I also suffer from XXXX XXXX and live with friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Experian Information Solutions 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 status incorrect

Complaint:
Had accident and was in hospital and later XXXX. XXXX. May have been trying to reach me during this time when I was hospitalized or when I was later at home under heavy medication. On the sister account, they had me listed as deceased. I tried to make payment on my account and could not. On XX/XX/XXXX I called again and was told my account was charged off that same day and pending sold to a collection agency. I tried to persuade the company to let me settle my account but they told me to call back in 72 hrs to find out where my account was sold. The account was for about {$290.00}. I dont want to get negative credit for that when I tried to pay.

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 2022-03-09
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-04-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX I sent my money to my own email address, I was trying to read their support page about sending money to own eamil address and it clearly state they will automatically refund within 30 days, I also emailed Coinbase straightaway and they reply and say the same as in the support page to wait for 30days ang they will refund me back, 6 weeks past still i need not receive the money i emailed them back again and they said to wait again for another 15 days, this is getting rediculous anymore! The amount was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notice of debt due in a letter dated XX/XX/XXXX. The debt results from a lease that terminated on XX/XX/XXXX. On XX/XX/XXXX I received a notice of eviction. On XX/XX/XXXX I went before the Justice of the peace court in Texas regarding the eviction. The judge ruled against the creditor and we agreed that I would vacate the property upon termination date of my lease. On XX/XX/XXXX, the creditor served me with another notice of eviction. I moved out of the property in question on XX/XX/XXXX.

The creditor is accessing me an early termination fee and various other charges under the lease. I have disputed the validity of these charges with the collection agency and the creditor. I have requested copies of documentation, including a copy of my lease, to date, I have only been provided a copy of my lease and not other documentation which could potentially resolve this matter.

OnXX/XX/XXXX, I received notification that the amounts in dispute were being filed with the national credit bureaus and shown as " disputed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
1. I have BEST BUY charge card. The card is processed by XXXX. 
2. Sometime ago I bought a few items and returned without using them and within the return period.

3. So, I do not owe any amount on the card.

4. Citibank, the Best Buy card processor has been harassing me for amounts which I do not owe.

5. Still, unwittingly I paid {$80.00}. 
6. I visited XXXX XXXX in XXXX XXXX, XXXX, XXXX and explained the problem. They said they can not help and advised me to contact Citibank.

7. I contacted Citibank, explained I do not owe any money to Best Buy. Citib ank stated calling me every day early in the morning.

8. Frustrated, I am submitting this Complaint to CFPB for resolution and peace of mind.

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