BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: CITIBANK, N.A.
State: IL
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 had a credit card charge that i am not aware or have not authorized. I filled gas at a XXXX, XXXX gas station and the merchant told me that the card is declined. I then paid it by another card. However, the merchant fraudulently charged lot of money on my card. Citi bank declined to fully investigate this. They did not get any information from the merchant and they clearly stated it in the letter i received. Despite of this, they closed it stating that it is valid because i gave the card to the merchant. They ignored on what i stated about card decline. Full details of what has happened is in the attached letter. 

I kindly request authorities to look into this case and particularly the way they have conducted this investigation, because this type of partial or weak investigation is going to impact lot of customers like 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 2022-06-16
Company: Experian Information Solutions Inc.
State: MS
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 have tried to reach out to this company and Experian to clear this up and neither one has returned my correspondence. I even sent it registered mail and have not got a returned response of what I am requesting so I am doing it here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AFNI is trying to collect a debt that I owed XXXX XXXX XXXX from XX/XX/XXXX for {$500.00}. I had paid {$100.00} on the debt right before XXXX XXXX XXXX sent it to collection. They told me they had the right to tack on {$100.00}. At that point I decided not to pay because of this action by XXXX XXXX XXXX. It should be off my credit report by now but AFNI has it dated as from XX/XX/XXXX. I read that this is a tactic AFNI uses

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Winklevoss Exchange LLC
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XXXX will still not add my bank, XXXX XXXX, or let me mail a check to them for deposit.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX XXXX XXXX is still reporting on XXXX and TransUnion. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations. Ive filed an IRS Form 3949-A which I will be attaching. 

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. XXXX and TransUnion is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report.

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 2022-06-16
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:
I submitted a dispute of an item on my credit report, they reported it as a valid debt. When I called the number of who they said holds the debt, the company told me there is no debt on their file. I resubmitted the challenge and they again asserted it is valid, but the company still says it is not in their system. So I have no way to settle the debt, nor remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: SC
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 writing to express my extreme distress regarding the recent revelation of a data breach at Equifax. It appears that my information was contained in the breach when I reviewed their website. Here are several of my concerns. 

The breach was from XXXX to XXXX of XXXX. Nearly 3 months the problem existed. 
They discovered the breach in XXXX. 
They did not disclose the breach until XXXX XXXX, XXXX. 
They did not contact me directly about my information being compromised. 
When I checked the database as a " potential victim '' I was informed that I was indeed included in the data breach. 
When I tried to enroll in the credit monitoring service ( provided by none other than Equifax - conflict of interest in every way ) I was instructed to return to the website 4 days later to sign up. Additionally, I was also informed that I would n't be reminded to return to sign up. This is an undue burden on a consumer that has been victimized by this company. 
Credit monitoring should be provided free of charge by a monitoring service of our choice instead of prolonging " victim-hood '' with Equifax. 

Information discovered after this initial debacle was even more troubling. 

Contained in the terms and conditions for checking to see if I had been a victim I discovered that I was bared from joining a class action lawsuit against Equifax. 
Days after the breach was discovered there were Equifax employees that sold their Equifax stock. 

In my opinion this is egregious dereliction of even simple security of personal financial information. I do n't have a choice to exclude creditors from sending my information to Equifax and therefore I was an unwilling victim of this crime. This requirement has been in effect since Gramm Leach-Bliley 1999 - XXXX. I believe that Equifax is significantly engaged in providing a financial service as a credit bureau. And as GLB is a 17 year old statute they have had plenty of time to ensure proper security practices were in place. Furthermore, the FFIEC 's Cyber Assessment Tool that was released in XXXX has provide ample guidance on securing personal financial information on the internet. 

With the revelation of this horrific occurrence the CFPB should consider the dismantling of this business. They should be subject to the most punitive of all sanctions that are within the CFPB 's authority. This has struck an irreparable rift of distrust in the financial services industry. If we can not trust the companies that are in charge of our data ( without our control ) then we have wider distrust of the entire system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: BBVA FINANCIAL CORPORATION
State: GA
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:
In XX/XX/2018 I noticed an unauthorized charge on my credit card by XXXX XXXX ( I don't even own a TV ). I immediately contacted the credit card company ( BBVA Compass ) by phone, and they assured me they would take care of it and that I would be charged no fees or interest while it was under investigation. The following month the charge was still on my card, so I called them again. Same response, telling me they had 90 days to take care of it. Meanwhile, I called XXXX XXXX myself, and they told me they had never made the charge!! I notified the BBVA Compass " fraud '' department ( I use the term loosely ), and received the usual " we have 90 days, blah, blah, blah. '' The following month the charge was still there, so this time I wrote them a letter. I received no response to my letter. By this time I was receiving late fees and dunning letters. I made one final call to them a few weeks ago, but nothing has changed with my account. Clearly, there is nothing further that I can do. Of course, I will never, never pay the charge, but BBVA needs their hand slapped for ignoring a fraudulent charge and treating a customer with such utter disdain, and for ruining a customer 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
THIS COMPLAINT HAS NOT BEEN PREVIOUSLY SUBMITTED NOR ADDRESSED, AND IT WILL BE RESUBMITTED OVER AND OVER AND OVER AGAIN UNTIL IT HAS BEEN ADDRESSED. SIMPLE AS THAT. 

A copy of this complaint is also being MAILED directly to XXXX XXXX XXXX XXXX, Dispute Advisor at Barclaycard, at XXXX XXXX XXXX, in XXXX, DE XXXX. The fact of the matter is, Barclays have aided and abetted merchants in perpetrating consumer FRAUD in violation of applicable Banking laws and regulations. More specifically, Barclays continues to permit merchants to accept its credit card for purchases without requiring the merchant to issue refunds for the returned purchase to the original method of payment used at the time of purchase, and it also continues to permit merchants to accept the credit card and then issue refunds toward different method of payments other than the original Barclays credit card that the the consumer used at the time of the purchase. As a direct result of this improper, unfair and deceptive trade practice by Barclays, I have sustained financial losses and other compensable damages and have filed an appropriate civil lawsuit against Barclays to recover damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On Friday XX/XX/XXXX ( the due date for my student loan ) I noticed that my student loan bill from Nelnet was still showing as due. In fact it showed that the payment was overdue and my new amount due by XX/XX/XXXX was {$1100.00}. Thinking I had somehow missed my payment I scheduled a payment to be made on XX/XX/XXXX. I thought I had made the payment previously, but I checked my account and could not see any pending payments or anywhere where I had scheduled the payment already. 

Then on XX/XX/XXXX I saw that two payments were being processed from my checking account. Apparently I had scheduled a payment for XX/XX/XXXX at the end of XX/XX/XXXX. Since the website did not show this payment I was induced to pay the student loan twice, wrongfully. 

I called Nelnet and asked them to reverse the second payment on my account. They refused. I asked them why they do not show scheduled payments. She had no answer and said I could file a complaint. I told her their website should clearly show to the consumer when they have already scheduled a payment. She said she would note that on my complaint form. 

It appears that Nelnet has purposefully set up their website to cause confusion. In fact one could argue their website is misleading. I truly thought I had missed my XX/XX/XXXX payment when I did not. They said they will apply the double payment to my XX/XX/XXXX statement. But that does not solve the problem. Their website should clearly show when payments have been previously scheduled. I do not get any benefit for paying my XX/XX/XXXX payment early. They seem only concerned about collecting the money. Nelnet does not seem concerned that their website is misleading.
This issue should be addressed since it is very simple fix. Nearly every company I do business with online shows your scheduled payments. There is no reason Nelnet does not do it. One can only assume that they are purposefully leaving this option off their website to mislead consumers into paying their accounts early through erroneous double payments. Luckily I had funds in my account to cover this double payment. But someone else who makes this mistake may not. 

I have contacted my bank and been told that the only thing I can do is dispute the ACH. By the time that dispute is done I will have to make the XX/XX/XXXX payment so I should just let the payment stay. 

Nevertheless, Nelnet should be made to address this complaint. Their website is misleading. They need to change their website so that consumers can easily tell when they have already made their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian was able to resolve one of the two of the original complaints. 
The one settled out of court which is the debt showing up with XXXX XXXX is incorrect. I do not owe that amount to XXXX XXXX. Furthermore, I have reasons to believe that they have illegally charged a fee. The amount of the debt is completely incorrect. I have submitted a dispute with Experian which was received by them on XX/XX/22 where I asked for them to provide me validation/verification of amt owed, none provided. Subsequently, I sent another request in the month of XXXX, which I got a response on XX/XX/XXXX that the dispute inquiry was complete on XX/XX/22, but with no resolution or evidence to support that I owe the amounts and furthermore, no removal of erroneous information. I have already reached out to XXXX XXXX and they have asked me to reach out to attorney. I have contacted attorney and they have provided me with the attached document.

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 2022-06-16
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On today XX/XX/2022 I went to your PNC Branch XXXX XXXX XXXX XXXX XXXX  Pa XXXX. And upon my entrance I was given a mask from the front desk Customer Service Represenative stating that Masks are mandatory at all PNC Banks however the XXXX female customer in front of me did not have a mask on and neither was she told to put one on. Sadly theres been nothing but complaints against this ridiculous neighborhood Bank which had improved but now theyre back to their poor misconduct. And if this continues our XXXX XXXX XXXX will request that they be removed from our community

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
While checking my credit report with Experian, I found a collection that I wanted to dispute. I attempted to follow Experian 's detailed steps on-line to dispute, but could not find a credit report number. I went directly through Experian and set up an account, but when I called Experian 's customer service number ( XXXX under support on credit report ), I was left in queue for over XXXX minutes on multiple attempts. Once I was finally able to speak with an Experian representative they told me I had to get the report from them, which I did and even shared my account information. The representative told me that I would have to pay for my full credit report. Is this legal? I have to pay for my credit report to dispute something. Note that I attempted to call the company, XXXX XXXX XXXX XXXX at the phone number listed on this alleged credit report ( XXXX ) XXXX, yet this number has been disconnected. Experian needs to be held accountable for this unethical business practice. Consumers can not opt out of Experian having access to their credit information and thus needs to be held accountable to specific and clear standards. How am I as a consumer able to dispute a collection on my credit without any way to contact Experian or the collection agency?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a credit card through my bank, Bank of America. I was offered balance transfer at 0 % interest for 18 months with some upfront fee. I took that offer and transferred some balance XXXX approximately {$6000.00} XXXX from the credit card to checking account. I use this credit card for making some purchases as well. I have been paying down those purchases in full every month in a timely fashion. I have also been paying down a part of the balance transfer amount regularly and I intend to repay the full balance before the expiry of 18 months. Yet, I see some interest charge on my account every month. When I called the bank I was told that this because I have a balance in my account left. This balance amount remains because the money owed on the balance transfer offer is not due yet. I do not want to repay the full amount from the offer yet as I already paid fee on the balance transfer offer. Now, it 's bank 's policy to charge interest on purchases as long as there is any balance left in the account which seems wrong to me as I have been repaying purchases every month. Bank has been reversing that interest for the last couple of months after I call them. But I find this practice unfair as I have paid interest when I forgot to call them or when the bank had a customer service representative who was not kind enough to refund that amount. 
In my opinion there are many customers of various banks who are paying this kind of interest even though they keep paying the full amounts incurred because of the purchases due to this policy.

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 2022-06-16
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-06-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Account # XXXX XXXX XXXXXXXX XXXX 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 602 A. Section. It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I never signed up for a Bluebird prepaid card and received one in the mail with my name on it. I don't see it on my credit report, but did not sign up to receive one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: VA
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 SSn was compromised because Equifax did not guard the information with stringest level security.

Company response to consumer: Closed with explanation