BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2023, while on a road trip to the state of Florida, I attempted to use my Comenity Master Card on XX/XX/2023. The card was declined, and I simply believed it was because I was out of my home state of Illinois. After arriving home on XX/XX/2023, I attempted to use my Comenity credit card again, and while making a small purchase, the amount, much lower than my available credit, the transaction was declined once again. This time I called the customer service number, and I was told I had some indicators on my credit report that indicated a significant change and a consumer report had to be provided before any available credit was made available to me. 

I explained that I had not received anything in writing, by US Postal Service, email or on the Comenity account portal regarding this issue. I asked why would I agree to this if I have not been contacted by Comenity Credit Card? I was told by customer service representative, XXXX, from the Texas call center, it would be a call I would have to place at time of a transaction being declined. I asked if I could have an authorization form sent to me, allowing me to read what I was agreeing to, in regard to the credit pull Comenity Credit Card is asking I give a verbal agreement to. Customer Service Representative XXXX said no, it this would be a verbal agreement. I explained this agreement, you are asking any credit card holder to make, when a transaction is declined, would be an agreement made under duress. How can a person be made to agree to a consumer report being ran without a written authorization form, when a transaction is declined. I requested to speak to a supervisor. I was connected to Senior Account Specialist XXXX XXXX. XXXX XXXX stated the same. This would be a verbal agreement, but she would notate the account, stating I was not agreeing to a verbal agreement that would allow Comenity to run my credit, but my suspended status would remain on my Comenity Credit Card Account. XXXX XXXX stated if I wanted to know if this would be a hard inquiry or a soft inquiry, I would need to personally contact the individual credit reporting agencies. I told her it was totally unacceptable to expect a consumer to contact the credit reporting agencies regarding an inquiry the consumer did not request. And NOT PROVIDE any written documentation explaining what the consumer is agreeing to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is directly emailing me and going around CFPB. The XXXX screen shots are of once again my extremely screwed up Experian account. Experian is not fixing my account because I am filing these complaints and doing investigation into this predatory company see this is there pattern. As of yesterday all information passed on to CFPB is also sent to my state rep and senator

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 2023-12-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Signed up XXXX XXXX for Experian 's free credit monitoring service. The privacy notice lists multiple steps to be removed from marketing ( with separate instructions for being removed from phone marketing, email marketing for XXXX years, email marketing for more than XXXX years, direct mailing and so forth ). It even specifies exactly what language must be used in Unsubscribe requests. I followed the instructions exactly. 

I received case number XXXX and was told I did not supply enough information to verify my identity, though I provided exactly the information requested in the privacy notice. They then provided a phone number and a mailing address. The phone number merely tells the caller to use the website and email address. I will of course mail in the paper form ( which requests that I mail in XXXX forms of ID ) but find the runaround ridiculous. They should just say this in the first place.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-12-31
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I XXXX XXXX Request to Cease Reporting to Consumer Reporting Agencies ( CRA ) Pursuant to 15 U.S. Code 1681b Dear, US Bank XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX, I am writing to you today to request that , US Bank ATTN XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX immediately cease reporting information about my credit account ( s ) to any consumer reporting agency ( CRA ), including but not limited to XXXX XXXX XXXX, and XXXX, as authorized by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, a CRA may only furnish a consumer report for a permissible purpose, which includes, among other things, for the purpose of evaluating a consumer 's creditworthiness for a loan or other credit transaction. I have not applied for any new credit or other credit transaction with US Bank XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX, nor have I authorized you to provide information about my credit account ( s ) to any CRA. Therefore, I believe that the continued reporting of information about my credit account ( s ) to CRAs by US Bank ATTN XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX is a violation of the FCRA. I request that you immediately investigate this matter and take the necessary steps to rectify the situation. Please provide me with written confirmation within 30 days of the date of this letter that you have ceased reporting information about my credit account ( s ) to CRAs. Please be advised that if you fail to comply with my request, I will be forced to take further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or initiating a lawsuit against US Bank ATTN XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX for damages and other relief. Thank you for your prompt attention to this matter. 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 explanation
Consumer complaint received 2023-12-31
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They will call but wont give me information about the debt until I give them personal information to authenticate myself. Im not giving personal info over the phone is what I say and I say youll have to send a bill. But its on my report and its from XX/XX/2018 it says. Shouldnt it be removed bc its medical and less than XXXX dollars anyway? Regardless I do t even know for sure its mine.

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 2023-05-13
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, I visited XXXX XXXX XXXX XXXX for a swelling I had on the right finger of my hand. At the reception, I asked the price of the consultation and the attendant clearly told me : {$120.00}. So I decided to pay on my own since my insurance had a {$250.00} deductible. More than the price informed by XXXX XXXX. After the consultation, I double-checked asking : Do I owe you anything else besides {$120.00}? And the lady was XXXX clear : No, you are all set! Important to say the XXXX XXXX has a estimate cost for visits that currently doesn't exceed {$270.00}! Now, after half a year I'm being surprised by a collection trying from Medicredit. They didn't provide any e-mail to contact them. Their website doesn't have ways of communication. I tried to call them several times, but I'm attended to by an answering machine. As I said, I paid the total price that XXXX XXXX charged me for the simple visit. I don't owe them anything else. It seems a kind of scam. Seeking more information, I came across with a XXXX  page with a big alert about the pattern of consumer complaints. According to XXXX, Medicredit has repeated behaviors that hazard consumers usually.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX I disputed a charge that appeared on my statement for XXXX. I didn't authorize the charge and I cancelled my debit card. I was satisfied that Bank of America would investigate the company and return the funds to my account. The " company '', XXXX XXXX XXXX, does not exist and there is no phone number to reach them. My efforts to reach them failed. .I recieved a letter from Bank of America on XX/XX/XXXX, letting me know that the credit originally issued was being reversed, along with a XXXX page letter assumed to support their decision. These exhibits, which do not suggest any communication with the merchant simply detail my name, address, the last XXXX numerals of my cancelled debit card. I spoke to the branch manager where I bank and he agreed with me that without identifying and speaking to the merchant a credit should be issued. However when he spoke to the fraud dept he was told once a decision is reached no further action can be taken. This is why I'm asking for your help.

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 2022-03-05
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
YOUR IMMEDIATE ATTENTION, PLEASE CLARIFICATION/AMPLIFICATION : CFPB COMPLAINT # XXXX FILED BY TELEPHONE ON XX/XX/22 AGAINST DISCOVER BANK I APPLIED ONLINE FOR A DISCOVER IT SECURED CREDIT CARD. 

I DEPOSITED {$1000.00} IN DISCOVER BANK AS SECURITY. 

MY APPLICATION WAS APPROVED. 

I RECEIVED THE CARD. 

I ACTIVATED THE CARD BY TELEPHONE ; IT WAS IMMEDIATELY USABLE. 

DISCOVER BANK MAILED ME A FIRST-CLASS LETTER INFORMING ME THAT A TEMPORARY HOLD HAD BEEN PLACED ON MY NEW CARD, THAT I NEEDED TO FILL OUT THE ENCLOSED ID VERIFICATION FORM, HAVE IT NOTARIZED AND MAILED WITHIN 14 DAYS ; OTHERWISE, DISCOVER BANK WOULD ABRUPTLY CLOSE MY NEW ACCOUNT AND RETURN MY {$1000.00} DEPOSIT. ( THIS ADDITIONAL REQUIREMENT WAS NOT PREVIOUSLY DISCLOSED TO ME. ) I SPOKE BY TELEPHONE WITH A SUPERVISOR IN DISCOVER BANK 'S CUSTOMER PROTECTION SERVICES DEPARTMENT WHO TOLD ME THAT I DID NOT NEED TO SUBMIT A NOTARIZED ID VERIFICATION FORM. THAT I SHOULD DISREGARD THE FIRST-CLASS LETTER I HAD RECEIVED AND THAT THE TEMPORARY HOLD ON MY NEW CARD WAS REMOVED. 

I USED MY NEW CARD ONCE. 

I RECEIVED AN EMAIL FROM DISCOVER BANK STATING THAT A SECOND TEMPORARY HOLD HAD BEEN PLACED ON MY NEW CARD AND THAT I NEEDED TO SUBMIT A NOTARIZED ID VERIFICATION FORM QUICKLY OR ELSE. 

I TELEPHONED DISCOVER BANK 'S CUSTOMER PROTECTION SERVICES DEPARTMENT AGAIN TO RECTIFY THIS REPEAT PROBLEM, BUT NO SUPERVISOR WAS AVAILABLE TO AUTHORIZE IT. 

I FILED MY TELEPHONE COMPLAINT WITH THE CFPB ON XX/XX/22. 

I AM OUTRAGED BY DISCOVER BANK 'S SHAMEFUL AND UNNECESSARY HARASSMENT OF ME AS A NEW CUSTOMER! OBVIOUSLY, DISCOVER BANK IS BADLY CONFUSED AND DOES NOT KNOW WHAT IT IS DOING! 

I WANT THE CFPB TO COMPEL DISCOVER BANK TO IMMEDIATELY REMOVE ITS TEMPORARY HOLD ON MY NEW SECURED CREDIT CARD SO I CAN CONTINUE TO USE IT. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX, NY XXXX SINCERELY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been in touch with US Bank for several months regarding refund disputes with companies such as XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. These companies have failed to send me the refunds owed to me. 
Initially, the charges were credited to my account, but they were later reversed. As a result, I stopped making deposits, which led to my US Bank account becoming overdrawn and pending closure. I sincerely believe that US Bank didnt properly investigate my refund claims. It is crucial for US Bank to address and rectify the issues with my account before it is closed, as this could potentially cause future problems for me with organizations like 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 2023-12-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted numerous requests to Transunion, XXXX, and XXXX to remove the Collections account XXXXXXXX XXXX XXXXXXXX XXXX for {$4600.00}. I have also contacted the predatory collection company of XXXXXXXX XXXX XXXXXXXX to let them know that this is not my account and explained to them why and then never responded. This is not my account and is a fraudulent account. In XXXX my Mail Box was broken into many times and sensitive information was stolen. When XXXXXXXX XXXX XXXXXXXX sent me the validation of ownership the information was not mine. The physical address was not mine, the email address was not mine, the phone number is not mine, and the bank account where the money was deposited was not mine. I have attached the paperwork that they sent me that contains information that is not mine. This proves that it is a fraudulent account and needs to be removed from Transunion, XXXX and XXXX Credit Report ASAP as it is stopping me from refinancing my mortgage.

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 2021-04-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to get XXXX  and Equifax to remove XXXX # XXXX a collections that is over 7 years. I have sent them both dispute letters months ago and nothing so far. I don't understand why this is still on my report when it over 7 years old. I hope you can help me with this matter and get this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Chime Financial Inc
State: TX
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:
On XX/XX/2022, I noticed an unauthorized charge of {$700.00} was charged to my Chime card. Once the charge indicated as " posted '', I immediately submitted a dispute for the charge. Within 15 minutes, I received an email back from the card company stating that they have concluded their investigation and the charge would not be reversed. I then asked for documentation that was used in their investigation in which I was never supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Regarding existing disputes filed with CFPB : # XXXX - Equifax # XXXX - XXXX  Both companies have suggested I contact them via their toll-free numbers. 
This is a joke. 

I have searched the internet for any number that will allow me to speak to a person. I only get an automated voice that verifies my identity XXXX times and wants to help me, by stating " is this a general question about credit, if yes, press 1 '' if you do they give you a list of items that have nothing to do with your issue. If you do not choose one, they end the call. If you do, you answer no to the questions and say representative, over and over, it says " I can only connect you with a representative under certain specific circumstances '' then back to zero, start again. 

My files on this fraudulent bankruptcy include deletions from XXXX the third-party provider of information to the CRAs on Public Records , a statement from the Bankruptcy Court that they do not verify anything to the CRAs, and that I should look at the information on credit repair contained in the FCRA. 

My file is over XXXX pages, including a recent letter from Equifax to verify my identity! 
They have received copies of my license, ss card, leases, etc. dozens of times. If they can not identify me, why are they publishing damaging fraudulent credit information? Especially since this all occurred from their data breach which the settlement administrator is preparing to pay me the maximin cash amount of a paltry {$20000.00}, which I feel I should decline and am inclined to allow my law firm to open a class action suit on the class action suit and settlement, but that would hurt many people who have already paid over and over. Then I said, " why not let the CFPB help me, as they have many times before, and they are getting a significant amount of money from the Equifax breach. '' So here is my complaint. 
I want a phone number where I can reach a human at Equifax and XXXX and I would like to know how I can opt out, as I have done with XXXX XXXX, permanently from the CRAs, I do not need them. 
Thank you XXXX XXXX Oh, I am vision impaired, making it a chore, one I gladly do, to read the pointless letters I receive from the CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Went to truist bank on multiple occasions to get a business loan with XXXX XXXX XXXX XXXX, was denied credit! Tried again for a personal loan, denied again. Also tried to get a XXXX  loan with my business partner and was denied again. According to Truist not enough credit history for my partner & business was too new. I'm just trying to get funding together my business off the ground. Asked for XXXX denied.

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 2024-01-02
Company: TRUIST FINANCIAL CORPORATION
State: TX
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:
This is my 3rd and final notice that my right to privacy, along with the obligation of consumer reporting agencies, including XXXX, XXXX, and XXXX, to maintain strict standards for accuracy and privacy have been violated. I do not have contracts, nor did I ever give my written permission to furnish any of these accounts on my consumer report. This is fraud and I have submitted AN IDENTITY THEFT 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