BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: WELLS FARGO & COMPANY
State: TX
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/2023, I went to deposit money into my Wells Fargo account via the ATM. The deposit function was unavailable at the moment I went to the ATM. When I left, I forgot to end my session and drove off with my debit card. The person behind me withdrew {$1000.00} from my account and I immediately received a text message alert to my phone that my account was negative. I called the ATM Claims and they said there was no crime committed, that on their end, they say this was an authorized transaction and this was not authorized. I did not give permission to nobody to use my debit or withdraw money from my account. They did refer me to the actual bank to obtain surveillance video, but the bank has not cooperated or provided me a refund of that money. The bank and the city police department have not given me any updates as of today. I have personally written to them via email and still no response. The bank will not even answer my calls.

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: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, XXXX, my card was illegally skimmed by ATM skimmers, who likely modified a machine I used near XXXX, TX, on XXXX XXXX, XXXX. The thieves made their way to a XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX, where they used my skimmed card information to withdraw {$100.00} seven times, resulting in almost {$800.00} of stolen money. At the time, I was at home ( with my wallet ) eating lunch when I received two ATM Decline fees for XXXX cents each. Because I have never withdrawn so much money in a single day, I didnt understand what an ATM Decline fee even was! Upon checking my account, I see that my funds have suddenly dropped from {$1600.00} to {$870.00}, and the ATM Decline mechanism probably saved my money from being wiped out in a single day. I believe that the thieves modified the machine at another XXXX XXXX ATM and then stealthily made their way to a different location to avoid suspicion. 

Afterward, I immediately called American Express Serves customer service team to understand what was going on, and they discovered that my card had been illegally used at a local gas station. They instructed me to freeze my account, cancel my card, and open an investigation immediately to stop the thieves from stealing again. 

However, American Express Serve refused to credit me the stolen money, accusing me of authorizing the transactions instead. When I asked them how they arrived to that conclusion, they instructed me to write them at XXXX XXXX XXXX, XXXX, Georgia, XXXX, which I did, but I havent heard back from them yet. I am formally accusing American Express Serve with financial malpractice, not protecting their customers from XXXX XXXX XXXX, and refusing to offer customers provisional credit without any evidence. 

Thank you for reading my short statement!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Also Known As : XXXX, XXXX, XXXX  Also Known As : XXXX, XXXX XXXX XXXX  XXXX Known As : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: DC
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:
I am a natural person, I am a living being. I have rights under 15 USC 1681. 

Exquifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because, according to 15 USC 1681.XXXX have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept of EdXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: VYSTAR CREDIT UNION
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: Information belongs to someone else

Complaint:
I did not consent to, benefit from or authorize any of the following Account XXXX XXXX XXXX  Account : - {$400.00} Vystar credit Union- Account - {$470.00} XXXX XXXX XXXX Account XXXX {$2500.00} XXXX XXXX XXXXAccount- {$420.00XXXX XXXX XXXX XXXXAccount- {$900.00}

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 2023-02-20
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the week of XX/XX/XXXX I was unable to access my bank statements because my log in I formation was changed after my phone was stolen. Quickly I called Chime to gain access to my account. Once I got in I got proof that unauthorized transaction were on my account. I checked to see if my debit card and credit builder card are in my possession and they were not. I called chime reported identity theft and unauthorized card use and the customer service rep ended the call in the middle of the process. I got an email saying the dispute was filed. Then they came back with the resolve and the report details were in error and my dispute was marked as " no error ''. I've called multiple times asking which documents I should email showing my identity theft and the customer services reps keep putting errors in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: DISCOVER BANK
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
DISCOVER BANK XXXX Date opened : XX/XX/XXXX  Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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: Personal information incorrect

Complaint:
Equifax XXXX and the other one have incorrect personal information and refuse to fix the issues. 
I did not ask them to collect this information, they should at least get my information correct so I can ensure there is no fraud using my information. 
They continue to refuse to assist and demand I send my entire life history through the USPS and waiting weeks for a resolution. 
I did not send my personal information to begin with!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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:
Please do not close this complaint as i am making it myself with out the help of a third party. i seen some accounts on my credit that i did not sign up for they are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During covid, and loss of my job, I had 2 months past due combined into a payment plan that spread payments over 12 months to catch up. This was a written agreement to do so. However Bridgecrest kept reporting each subsequent month to the credit bureaus as past due up to 120 days when ALL payments during that 12 month period were paid on time in included the additional amount to cover the 2 months past due. They refuse to amend the reporting to show the payment history as an on-time payment and instead my report shows 12 payments past due when it should have been 2 in a 14 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Self Financial Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I completely paid off my XXXX XXXX Account Loan on XX/XX/2023 and have yet to receive the the payout of {$720.00} that was promised once the loan was paid off completely. 

After the account was already paid off completely, I received a request to send in documents to verify my ID, and bank account. 

I provided a picture of my ID, SSN card, a picture of me holding the ID and a copy of my bank statements on XX/XX/2023 but have yet to hear anything back from them. 

I've initiated multiple chat sessions where I'm told that someone from a different deparment would contact me soon but have yet to receive one communication. I've also emailed their Disputes department just to be told that someone would contact me within 48 hours but have still not been contacted once. 

This loan was held as security and would be payed to me once I paid off the total amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My fed loans account has been closed and has inaccurate information and different data between credit bureaus. Furthermore Consumer Law requires fair and truth in Lending and confidentiality.

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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My address is inaccurate. I only live at one address have live there years and I only have one name I use. There is no other name. My job is incorrect as well. 

All my personal information needs to be corrected and updated on a 3 bureaus. XXXX, XXXX, and Transunion.

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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
on XX/XX/XXXX I uploaded a dispute at Transunion ( online ) to remove the final account that was a result of Identity Theft ( XXXX XXXX Credit Card # XXXX ). 
On XX/XX/XXXX XXXX XXXX # XXXX that was previously removed XX/XX/XXXX due to the fraud in question was ADDED back to my Transunion credit report AFTER successfully disputing the fraudulent account. 

XXXX XXXX has provided loan documentation that shows a completely different name on the loan in question ( XXXX XXXX XXXX XXXX in which I've never been associated with that middle or last name. I have provided sufficient identity documents proving this and thats why the account was deleted XX/XX/XXXX. 

I now have two fraudulent accounts that have been verified as belonging to someone with a completely different name reporting to my Transunion Credit File # XXXX In accordance with Fair Credit Reporting Act, 15 U.S.C 1681 2, my rights have been violated. These fraudulent accounts need to be DELETED and BLOCKED from reporting to my Transunion Credit FIle.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: OH
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:
I reached out in XXXX via USPS certified mail to let the company know how them publishing incorrect information on my consumer report had adversely affected my life and made requests for them to remove the incorrect information and also acknowledge the damage the incorrect information had caused my family and I

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 2023-06-03
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I took out a debt consolidation loan at my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on Saturday, XX/XX/. A check from my credit union for the amount of {$9500.00} along with a copy of my Barclay 's bill attached to it was mailed to Barclays on Monday, XX/XX/. The check cleared my credit union 's account on XX/XX/. 

When time had passed and I had not heard back from Barclay 's regarding subtracting the money off my balance, I contacted Barclay 's and they began an " investigation '' into the lost check. I was told they needed a copy of the check, so I made an appointment with my XXXX XXXX and sat down and called Barclay 's with the loan officer present. The loan officer sent everything asked for. 

I think I received an email asking for the same info my XXXX XXXX had already sent, so I disregarded it, assuming it was in error. On XX/XX/, Barclay 's added the provisional credit they had given me back onto my balance. I received an email that said I owed them a $ XXXX payment, so I called immediately. 

I spoke with XXXX XXXX did not get number ), and then her manager, XXXX ( XXXX ). They basically told me it was put back on my account because I did not follow through with sending them the front and back of the check copy. So I have to make an appointment with my XXXX XXXX again to get this taken care of yet again. ( My credit union loan officer said they have had issues with Barclays before exactly like this. ) Here 's what I think is going on : Barclays has had close to {$10000.00} from my XXXX XXXX since XX/XX/. They have been earning interest on this from whatever account that money was put into ( certainly not my account... but a general pot. ) So is this is a scheme to make money off interest while sticking their customers and giving them the run around? I don't know, but I know it can not be that hard to track a {$9500.00} check when given a certain string of dates along with the routing n umber it came from and the check number. 

I may never get all this interest they've placed on me back 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 2023-02-22
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letter receive at my residential address dated on XX/XX/2023 from XXXX XXXX XXXX XXXX ( toll free : XXXX ; address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) attempt to collecting {$32.00} for creditor " PayPal, Inc ''. 
Within the letter claiming " Call or write us by XX/XX/2023, to dispute all or part of the debt. If you do not, we will assume that our information is correct. '' which is an unethical practice forcing the letter receiver to act or else assuming all information is correct. 
I post complain on the XXXX XXXX XXXX and received following correspondence from the said company : " Receipt of correspondence from a concerned customer is taken very seriously at XXXX XXXX XXXX XXXX. All issues are researched thoroughly with extra attention to the customer perspective. 
Based on XXXX XXXX concerns, we have ceased all collection efforts, and the account will be closed and returned to our client. Our investigation of the account and information you provided ( your e-mail address ), indicates that you XXXX have been a victim of identity theft. The e-mail address provided to us by, PayPal , Inc., does not match the address you provided in your correspondence to the XXXX XXXX XXXX 
We have provided PayPal with a copy of this complaint and our response. Should, XXXX XXXX, have any questions, we kindly ask that they contact, PayPal , Inc., and allow them the opportunity to address any additional concerns they XXXX have. 
Thank you for bringing this matter to our attention. We apologize for any inconvenience that we XXXX have caused. 
Sincerely, XXXX XXXX XXXX, Corporate Compliance '' Problem is never once my e-mail address was disclosed in the physical letter sent to my correct name and physical address. I was never contacted by the creditor " PayPal Inc. '' prior to receiving this letter nor it's possible for me to incur any debt from PayPal Inc. in the past. Furthermore, the creditor " PayPal Inc '' has no balance due under my name. Similar tactics and experience of such practice from this company ( claiming collecting money owed from " PayPal Inc. '' ) is easily found from PayPal 's official website under its Community Discussion Forum ( see link " XXXX XXXX XXXXXXXX '' ). 

This is a very time consuming encounter for person at the receiving end of such letter not to mention the possible XXXX  endured causing by such practice from this company. 

Please see to an end for such practice. 

Thank you An concerning XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: NAVY FEDERAL CREDIT UNION
State: CA
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 reached out to report unauthorized inquiries to companies I did not recognize on my credit report and they have not removed the inquiries and it is affecting my credit. It not fair that I have to deal with unauthorized use of my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: KEYCORP
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I attempted to pay KeyBank in my member portal for {$290.00}. When I submitted the information to their system. An error message came up that says wait 5 minutes and try again. So I stayed on the site and tried to make the payment after the wait when I went to make the payment this time. I entered {$300.00}, and the same thing happen. The system told me to wait five minutes and try again. On the third attempt, I waited a little more than 5 minutes and tried to make a payment for {$300.00}. The same thing happened for the third time. 
On XX/XX/XXXXh, I got three emails saying thank you for your payment for three separate payments. So I immediately contacted the Lender on Monday and explain what had happened and what the message said. The lady on the phone said that they would refund the money and could not explain why it gave that error but could see three separate payments.

On the 21st, my bank charged me an overdraft fee, so I contacted the bank again and said I don't have the money back in my account, and now I have a fee. The person on the phone said we are giving you the money back, but we won't pay the fee. These people are liars, and the issue was within their system, not from me overdrawing my account.

Company response to consumer: Closed with monetary relief