BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/21 As follow-up to identity theft, I began checking credit reports per FTC instructions. XXXX provided the credit report plus a free credit score which I understand is available free yearly. 

XX/XX/21 Continued with XXXX and had the same positive experience. 

Later, went to TransUnion site. Got free credit report then clicked on the large button for getting credit score. This then required giving bank card info which seemed suspect to me, but since there was no listing of a price, I figured I would be offered some sort of upgrade after I got the score. 

I was appalled to learn that I had just signed up for a subscription product and had already been charged {$24.00}. I cancelled the subscription and called customer service to request a refund. A very polite customer service rep verified that I had indeed cancelled my subscription for the future but it was not possible to refund the {$24.00}. She reassured me that I could continue to access my information for the next 30 days. 

Its appalling that a company with access to so much of my personal information and to which I am referred for help with identity theft would engage in such a deceiving practice. They are preying on the vulnerable. 

I see there have been complaints in the past, and thank you for all you at CFPB do to help monitor the industry.

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 2021-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To whom it may concern at Experian, I XXXX XXXX request in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The account is no longer in dispute. 

I am asking the dispute comment to be removed from the following items : 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 2023-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit reporting 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 noticed unauthorized inquires on my credit report that I would like removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
BK OF AMER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Several months ago I received a solicitation call from Amex with an offer of XXXX membership rewards points if I upgraded one of my Amex business cards to Amex Plat. That salesperson explicitly and directly told me that I could " downgrade back down to a lesser Amex card once the annual fee hit.

I questioned that and they confirmed -- there's not the slightest doubt in my mind I was told that. Another  Amex rep just under a month ago, said I " should wait till the account renews in XX/XX/XXXX '' before downgrading. They now have pulled the XXXX and said I needed to stay w/ the Plat for 1 year ( and, hey, not really all that unreasonable, ) but the sales team ( or whatever they are called ) definitely, definitely, definitely lied to me when " selling '' the upgraded card back in XX/XX/XXXX or whenever that was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: ALLIANT CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, {$3400.00} was deposited into my checking account. It was my income tax check. 

Prior to that, I initially deposited the check with Alliant and it was placed on hold. My account was then locked and I received notice to contact the bank. Once contacted, I was told that there was a fraud lock on my account and that the check did not clear the US Department of Treasury when they ran it. I told the guy ( from the Fraud Dept. ) that this was not true and that there was nothing wrong with my check as I had received it and not cashed it or anything. He then ran the check himself and stated that he was unsure as to why the check didn't pass as it just did with him. He then contacted the person from Fraud department who initially ran the check and had him run and deposit it again ( a second time ), it cleared. The check was deposited into my account. 

Now, today XX/XX/2022, I reviewed my account and the check was rescinded again. I contacted Alliant and was told that the check was deposited twice, so the XXXX XXXX XXXX flagged it as being deposited twice. That sort of makes sense, but its not my fault. As stated, I deposited the check at Alliant and it was held for deposit ( deposit 1 ). It was then flagged and sent to the Fraud Department. They then ran it again and deposited it back into my account ( deposit 2 ). Same check and check number. There is no way that this check could have been deposited at another bank. My banking institution is XXXX XXXX My employment check goes there and no other deposits. All of my outside deposits go to Alliant as funds for my XXXX XXXX XXXX 's future/savings. 

Please assist with this case. I'm an XXXX and not a fool. I no longer trust this banking institution and need help recovering my funds, AGAIN ( same check that I had to fight for once already ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: NJ
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:
Credit reporting agencies are reporting false inaccurate information on my credit file. 

This report indicates that I have a bankruptcy from 2019. I am requesting all 3 major credit bureaus to validate this information and send me proof or the accurateness of my report. I also want to know who reported this bankruptcy. I have reached out to the courts and I was told they DO NOT report to credit bureaus unless asked to do so. If it is not able to be validated it should be dropped as according to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Please remove this inaccurate and unverifiable information from my credit file. And please verify this information with the furnisher to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: U.S. BANCORP
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Name of Co : U.S. Bank National Association - Cardholder Services - XXXX XXXX XXXX XXXX, FL XXXX In XXXX, I purchased a " XXXX XXXX XXXX '' Pre-Paid card from XXXX grocery store. Later that same year, I went on vacation out of the country and tried to use my card and XXXX froze the card and blocked me from using it. I contacted cardholder services and was told that the card was blocked and flagged for fraud ; and that matter would have to be addressed by the fraud department. Shortly, thereafter, I spoke to an individual in the fraud dept. My account was closed so I requested a refund of the balance which is now {$480.00}. That person told me that I would have to provide photo ID & Social Security Card. I was told that I could only send the documents by FAX and there was no " confirmation '' that could be provided when the documents are received. I was concerned about this process sending personal info without verification. I willing sent the photo ID and last four digits of social and the pre-paid card information. Still no reponse. I got a lawyer involved who also sent a letter on XX/XX/XXXX but still to this date.. no response.

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 2021-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
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: Card was charged for something you did not purchase with the card

Complaint:
I went to, pay my XXXX bill and gasp at the high amount. As I looked I realized there were three amounts/billers that I did not recommend. One was for {$1800.00} early in the billing period, the second about 10 days later for {$20.00} and a third at the end of the billing cycle for {$5200.00}. 

I reported it to Bank of America and they said they would look into it. They denied it was fraud and was consistent with previous charges with the merchant. I have never done any dealings with them. I have no merchandise, no delivery notice. 

I checked the transaction on the entry and they are to the same business. I called the number XXXX claiming to be XXXX. They had the options, welcome, etc. but never could speak to anyone. After 45 minutes of trying I gave up. My XXXX display had on the top of the call fraud XXXX. 

I have sent three letters to them to ask them to reopen and still the charges are mounting with now interest. 

The federal fair trade act has Bank of America as a % liability policy. 

Ive reported it to Police here in XXXX. The case is on file in XXXX county I wrote to our attorney general

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 2023-01-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Credit reporting agencies are reporting false inaccurate information on my credit file. 

This report indicates that I have a bankruptcy from 2019. I am requesting all 3 major credit bureaus to validate this information and send me proof or the accurateness of my report. I also want to know who reported this bankruptcy. I have reached out to the courts and I was told they DO NOT report to credit bureaus unless asked to do so. If it is not able to be validated it should be dropped as according to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Please remove this inaccurate and unverifiable information from my credit file. And please verify this information with the furnisher to be accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX Email : XXXX Complaint/Dispute Department XXXX XXXX XXXX Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX Dispute XXXX. XXXX XXXX XXXX, TX XXXX XXXX   dispute tips XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Dispute on Credit Report and Score ( collection item ) Dear Sir or Madam : I recently obtained a copy of my credit report from your agency and XXXX XXXX and found the following item to be in error showing a collection item on my credit report from Midwest Recovery SYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX at XXXX the Collection Agency claiming I owed over {$600.00} to XXXX XXXX XXXX XXXX XXXX XXXX. This was fraud on the part of the collection agency. 

When I called the hospital XXXX XXXX XXXX XXXX XXXX and was told me all the bills were paid in full from my insurance ( XXXX and XXXX ) with the exception of an {$80.00} co-pay the only outstanding item and had not been billed yet. ( Please see email from XXXX XXXX, Supervisor dated XXXX, XXXX XXXX ). Showing account is paid in full. 

So I paid it anyway even though. I was out of the country in XX/XX/XXXX ( the date the date they stated the bill was generated ). This Does Not Make Sense. 

I paid the {$80.00} anyway to make sure I had no issues with my credit report. As Im applying for a mortgage ( see invoice marked paid ). 

Lets not forget to mention Midwest Recover SYS, has been REVOKED AND HAS AN F rating with the XXXX XXXX XXXX ( see report enclosed ). For scamming people. This is the worst rating any business could get and should be shut down. 

DISPUTE II My report shows a hard enquiry from what I found out was XXXX XXXX. I have never applied with this company at any time.

1. I dispute any report from the collection agency and request my present credit score be restored based on payment history in totality. As this is not accurate on my credit report.

2. I am requesting that all items and score be ( updated ), and remove the erroneous reporting and reflect an accurate profile and my credit score. 
XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : XXXX XXXX Attorney at Law New York State Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check via ATM on XX/XX/23 in the amount of {$1200.00}. {$970.00} of the deposit was placed on hold pending verification of funds. Two hours later the remaining {$220.00} was also placed on hold. The deposited check cleared the issuing bank on XX/XX/23 and the funds were transferred to my bank. On XX/XX/23 my funds are still being held. The fraud department cited the reason as being because it is a new account. According to the account agreement, an account is defined as new if it has been opened less than 30 days and my funds will be available on XX/XX/23. I opened the account 54 days ago on XX/XX/23. It is not a new account by their own definition. Additionally, there is no valid reason to continue to hold funds that have already been paid by the bank that the check was written on.

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 2021-08-31
Company: EQUIFAX, INC.
State: TX
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 remove inquieries XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Re Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies Factual Data Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXr Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies Factual Data Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks Factual Data Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2015.

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 2018-05-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account is a fraudulent account that was not opened by me. I keep getting statements in the mail and I never opened this card. You can check the transactions that it was not done by me. I went on XXXX and filed an Identity Theft report to help me take care of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a letter to NCA regarding acct # XXXX {$550.00} this is not my account, I have no knowledge of this account. I sent a letter to them that arrived on XX/XX/2023 and have yet to receive a reply its well past a month and im asking for a removal of this account. I Provided an identity theft affidavit, the representative I spoke to by phone told me investigations can take 3 months I've never heard of that in my Life! Im not trying to get the representative in trouble im simply trying to fix my life, and I've been on quite the roller coaster with regards to my identity being compromised.Please remove this account from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have my payments to Lowe 's Synchrony Bank set up through my bank to transmit payments to the company every two weeks on my payday so that when I get paid, I am immediately able to make my payments. I do this also to reduce the interest owed on debts which are calculated daily. 

Payments and fees from my statements attached : XX/XX/2021 - I made a payment of {$80.00} XX/XX/2021 - I made a payment of {$80.00} XX/XX/2021 - Was assessed a Late Fee of {$28.00} XX/XX/2021 - I made a payment of {$80.00} XX/XX/2021 - I made a payment of {$80.00} XX/XX/2021 - Was assessed a Late Fee of {$39.00} I was just paid on Friday, XX/XX/2021 and a payment of {$80.00} will post to the account as of yesterday although it is currently showing delinquent and a late fee assessed. 

On Saturday, XX/XX/2021 I called the number listed on my card and the number on their website. The only options I could access were to use an automated system to make a payment or hear my balance. I could not speak to a representative. I tried to use the chat function on their website but was told that I needed to log in. This is a defect in their web service because I was already logged in as you can see from the pdf files attached, I was logged in to my Lowe 's credit account as I would have to be in order to access these. 

These actions amount to establishing roadblocks for consumers to prevent the fair assessment of an error on their part, which may actually be nefarious and not in good faith. Considering that I have shown extensive consistent payment history, I would infer that Lowe 's Synchrony bank seeks to extract additional monies from its customers through predatory lending practices by assessing late fees outside of a measly 10-day payment period and eliminating confrontation as shown by imitating incompetence through its website and restricting consumer access.

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