BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
dispute a transaction approx cost XXXX the bank with the millennium children working for citizens bank do not understand how the United State Postal service works. On a sunday an electronic transaction hit my account with a toll free number attached. So i call that number and they said to me that i ordered so membership it was in the fine print of which i had no intention to do so. the matter started when i as a XXXX XXXX customer answered a survey and the offered me to chose a product for my survey. I ordered high power ear pods. once i found out that i had to be a member and pay for this membership i decided that when i received my package i would return it. 

so in the United Postal Service if you receive something you dont want and or never ordered you give it to the clerk and its called " refusal return to sender '' this is done at no cost to me the consumer and also NO RECEIPT IS GIVEN AS THERE IS NO COST. 

The children of citizens bank mandated that i provide a receipt from the post office that i returned that package and the is unavailable they do no give receipts on return to sender. 

citizens bank closed my account placed it with XXXX XXXX and declaured that i abused my account for filing a dispute under regulation E and 93 A of the massachusetts consumer protection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: ALLY FINANCIAL INC.
State: OR
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 went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are XX/XX/2021 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of today, XX/XX/XXXX, I received a collections account on my XXXX  and XXXX. I have not received in the mail notice so that I could verify the debt and determine whether or not the debt belongs to me. I would like this debt removed from my credit, sent notification to determine whether or not it belongs to me, and go through the proper channels. Because of this account, my credit has dropped XXXX points on XXXX and XXXX points on XXXX. I have excellent credit and this is taking my score significantly down. In addition, this falls under the " no surprise act '' and should be reviewed seriously. 

I recently filed a complaint a few months ago from XXXX XXXX XXXX, because they did not verify the debt belonged to me. It was the same amount and it was medical debt. That complaint is now closed because the company removed the debt because of lack of information to verify the debt ( that was complaint number XXXX ). I have reason to believe this is the same debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX I found that PNC bank had allowed numerous transactions to occur using an expired debit card. I disputed a number of the transactions, and they initially provided me with a provisional credit. Roughly a month later most of these credits were reversed with no explanation. After several months and calls later I finally got on a call with someone who explained the situation. I pointed out that once a debit/ credit card expires all reoccurring payments must be updated by the customer. The representative told me that PNC bank does not have to follow any federal laws and that as a customer I am bound to their rules, and federal law can not protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Mandarich Law Group, LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2023 I received a letter from XXXX XXXX XXXX telling me that I was being sued by XXXX XXXX XXXX. This was the first time I was ever hearing of a lawsuit. I never received any written correspondence of any debt from XXXX XXXX XXXX saying I owed them anything or that I would be sued for non payment. I recently moved to XXXX Florida due to XXXX XXXX spouse changing duty stations and we did a change of address at the post office. I also have XXXX informed delivery that tells me what's coming in the mail and tracks it with photos. I was never contacted by this company. On XX/XX/2023 a XXXX sheriff shows up at my house and served me with a summons notice to appear for mediation. XXXX XXXX XXXX is a third party debt buyer and unless they can show me the original contract I had signed with the debt then I do not owe them anything They can not buy a debt and then harass me to pay said debt bu suing me without prior knowledge. I am a XXXX veteran that has a low income and do not have the funds to be going to court over something I knew nothing about. There are many complaints against XXXX XXXX XXXX for using strong arm tactics to get people to pay supposed debys that they purchase. Constant calls and harassment. I would like this suit dropped and this debt removed.They failed to notify me of the lawsuit under the Federal Fair Debt Collection Practices Act They have two addresses posted one for Florida where they sued me and their main address in XXXX New York. XXXX XXXX XXXX is the Attorney on the paperwork and his address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: MO
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: Investigation took more than 30 days

Complaint:
Another 30 credit card emails from experian but they wont fix my 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 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent my letter off XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts. Because I have noticed inaccuracies and can provide screenshots. I also never opened these accounts and some of them been opened on my credit report for over 2 years. I am a victim of identity theft. I have a FTC report I can also provide. Thank you. 
I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX. 

According to the FRCA The term " investigative consumer report '' means a cosnumer report or portion thereof in which information on a consumer 's character, general reputation, personal charactersistics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reporter on or with others with wom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 
Accounts : # 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 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 2021-06-16
Company: EQUIFAX, INC.
State: UT
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 have a couple collections being reported to my credit file. A couple from XXXX XXXX XXXX and a couple from XXXX and XXXX. These collection are paid. I never received my 30 day right to dispute and wasn't even aware of these collections on my credit file until i had my credit pulled recently. I have filed multiple complaints and disputes with them directly and they are not responding to my disputes. I have sent in disputes to XXXX Equifax and, XXXX with no response. This is absolutely ridiculous. I don't understand how they can add these collections to my credit file without advising and then refuse to remove or even respond to my disputes. I have made SEVERAL attempts to contact all parties involved to try and get my credit into better standings and have not received a response. I am very upset and i need these collections removed from my credit file ASAP. They have violated my rights and refuse to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2023 I applied for and received a balance transfer from one of my credit cards to my Barclay AA Advantage Master Card. Barclay transferred the Balance and charged me a {$450.00} balance transfer fee. A few weeks later, on XX/XX/XXXX, I was charged their {$99.00} annual fee. I have been making regular payments on my card and then I noticed I was getting charged small finance charges every month. When I called Barclay customer support, I was told by a Customer Service Rep XXXX and her Manager, XXXX that these finance charges were being charged because of the balance transfer and annual fee. 

Section 1026.4 ( c ) ( 3 ) states Fees charged for participation in a credit plan are to be excluded from finance charges

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 2023-03-09
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been an American Express customer since XXXX and have multiple cards from American Express. Last year I got an offer where I would receive XXXX Membership Rewards points if I were to add an authorized user on my account and that authorized user were to make {$2000.00} in purchases on their card in the first 6 months of acquiring the card. 

I enrolled my wife, XXXX XXXX, as the authorized user on the account on XX/XX/XXXXXXXX  and she made more than {$2000.00} worth of purchases within the first 45 days itself when the total time she had was close to 180 days. Later on ( maybe a month later ), she might've made some returns on the purchases she made on the card. 

I, being the primary user on the card, made the necessary bill payments for the purchases that XXXX XXXX made as an authorized user and kept all my accounts in good standing. However, all of a sudden on XXXX XXXX, XXXX I received an email from American Express stating that they are deducting XXXX XXXX XXXX from my account. Upon inquiring, they mentioned that XXXX didn't meet the necessary terms and conditions of the offer and that's why they are deducting the points from the account. 

American Express has no system on its website or its mobile app whereby it displays or tracks how much aggregate purchases an authorized user has made, how much worth they might've returned and if they are in compliance with the terms of the offer or not. If there were returns made, American Express could've notified that XXXX is not meeting the {$2000.00} spend criteria upfront rather than deducting the points 6 months after the issuance of the card. 

There are no alerts to notify the primary user, in this case me, as well because had I known the same I could've gone out and used the card myself to meet the {$2000.00} requirement. Rather than notifying or alerting the customer they straightaway deduct the points and let the customers know after the fact without giving any ability whatsoever to track the spend of the authorized user. 

I want CFPB to lodge this complaint against American Express and wish them to restore the points they have deducted from my account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX  XXXX/XXXX, Account Number 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 explanation
Consumer complaint received 2023-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Kohls Credit cards offer auto pay but instead of allowing you to make any w of payment they only off statement balance or minimum payment due. If you only pay the minimum payment due your accruing interest at almost the same amount as your payment. Ive called kohls credit service multiple times and theyve assured me that i can set it to a certain amount monthly just not on the mobile app. I was instructed to go to their website on a computer as the browsers are said to be different. They are not and there are no other options for payment. I feel this is a violation and I was lied to by multiple employees. All I would like to do is pay a set amount every month so that i can pay it off quicker and avoid paying so much in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Franklin Collection Service, 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:
On XX/XX/2021 collection agency Franklin Collection Service added a derogatory mark on credit report per XXXX XXXX upon further research, the account was transferred /sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there is NO written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Franklin Collection Service has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-03-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a banking account with Wells Fargo. I initiated two separate transactions, via Wells Fargo 's website, to transfer money from an external account to the Wells Fargo checking account, using the other bank 's routing and account number. Wells Fargo denies having received these two transfers, for {$500.00} and {$100.00}. 

I called the credit union that transferred the funds. They have verified that they transferred both amounts to Wells Fargo and they have sent me proof of that transfer. Wells Fargo still denies they received it a week later, and they refuse to credit my account. 

I have been on customer support with them for HOURS, and they refuse to fix this. My next step is to get a lawyer I think, even if it costs more for the lawyer that the lost funds, because this is just blatant fraud on the part of Wells Fargo. 

I have attached the proof from my credit union that the two transfers happened. They are dated XX/XX/23 ( {$500.00} ) and XX/XX/23 ( {$100.00} ). Neither of these has appeared in my Wells Fargo 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 monetary relief
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I CALLED IN AND TALKE TO A REP REGARDING MY ADRESS ON MY CREDIT REPROT IT STILL IT DOESNT SHOW ACCURACY. I SENT IT MY MAIL 2 WEEKS AGO AND TRHEY STILL HAVENT RECIEVE IT. IM ENCLOSING MY ADDRESS AGAIN CAN THEY UPDATE MY CREDIT FILE WITH MY CORRECT ADDRESS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
was denied lowering payments due to being laid off.

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 2021-06-16
Company: EQUIFAX, INC.
State: IL
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 sent a dispute to the bureaus on XX/XX/2021 regarding inquiries that I have not authorized. There are no physical signatures of mine on any applications nor do I have any open accounts on my credit report reflecting these! Since the bureaus didn't respond to me in 30 days, I sent another dispute on XX/XX/2021 and again today, XX/XX/2021. It has been almost 5 months of disputing with not 1 response from the bureaus. This is unethical, unprofessional and wrong that the bureaus are not doing their part!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX XXXX Currently have some fraudulent accounts appearing on my credit report.

Company response to consumer: Closed with explanation