BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax and XXXX will not acknowledge any of my attempts to obtain my credit reports and/or mailed copies of my statements pertaining to fraud. I am unable to create an account as any identifying information requested to do so is Fraudulent and incorrect information- the same information I am trying to have removed! 

I have tried calling- but again I am requested to verify personal information that is not mine and incorrect. Equifax and XXXX have at the most only responded to mailed statements and my photocopies of my government ID 's and social security card with " please send us copies of your ID and police reports. To have sent that to receive that response demonstrates they are not actually reading and reviewing what I have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: U.S. BANCORP
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
In XXXX I signed up for a XXXX XXXX XXXX credit card from US Bank. I met the minimum spend but was not awarded the bonus points on a technicality that it was met on my Husbands Authorized users card. US Bank has a convoluted system where they have a central billing system, and the XXXX account and primary account are separate. Their terms do state that the sped must be met on the primary account holders account, but their system is so confusing that most people would believe that the primary account included authorized users, which it does not with them. They really confuse their customers with this system, and even though they received my business and my spend they refuse to award me the points that i deserve by meeting the minimum spend. I think it is unfair that they do not explicitly state these terms so that their customers understand their system, and their requirements to earn these points they offer to get new business accounts. It is an unfair practice that needs to be changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: TX
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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-05-03
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/XXXX, I was called by Banana Republic  to inquire about a potentially fraudulent charge on my account. Approx {$230.00} in fraudulent charges were committed. I confirmed the charges to be fraudulent and the card was cancelled and a new card was issued approx XX/XX/XXXX. XX/XX/XXXX, I was notified by my credit monitoring service that I had exceeded the limit on my Banana Republic card and that my credit score plunged XXXX points. Upon investigation, I found that over {$1900.00} in fraudulent charges were charged from XXXX XXXX XXXX. The fraud department never contacted me about these fraudulent charges. Barclaycard ( the parent company for Banana Republic ) eventually confirmed the charges to be fraudulent and, at my request, closed the account. In XXXX, I got a bill for over {$900.00} in fraudulent charges on my account ( which was supposed to have been closed ). Again, when I contacted Barclaycard, they eventually found the charges to be fraudulent and closed the account ( again ). In XXXX of XXXX, Barclaycard issued a refund check to me in the amount of {$150.00}. I informed them that I would not cash that check because that was not money that was owed to me. I again reiterated that I just wanted to make sure my account was closed and that I no longer had any account with Barclaycard. XXXX XXXX  XXXX, I received a statement from Banana Republic stating that I owed {$150.00} on my card. I called the company to inform them I did not owe them, had never cashed the check, and I just wanted my account closed. Now I have been charged a late fee for the {$150.00}. Barclaycard has been so frustrating to work with. At no point have they taken steps to protect my credit, nor have they treated my account with the respect it deserves. I have been a customer for over 20 years, but will never shop in Banana Republic again nor will I ever have another Barclay Card. Please help me resolve this situation, as they clearly dont care to close my account or resolve this issue.

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 2021-03-13
Company: DISCOVER BANK
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I attempted to use my Discover card and it declined. I assumed this was because I was in a different city shopping for my daugher 's birthday about an hour from home. What really was going on is that someone hacked my Discover account online, changed my address and contact information, and requested a new card be delivered to associated address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

This is not my address and I do not have any affiliates with anyone in OH. My credit report reflects on XX/XX/2020 this address as an associated address and I would like it removed. I would also like any inquiries or charges around this time removed as well as it does not belong to me. I did report this issue to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: CA
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:
To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. 
Below is a summary of the data in which I am challenging :

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 2017-03-14
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had   XXXX   XXXX   and  2 i nsurance companies. They should have been communicating with each other to settle the debt.

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 2021-03-13
Company: CCS Financial Services, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection with this company with the original credit being XXXX XXXX. I received a quote with XXXX  but was never insured through them to my knowledge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: ADP Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I recently switched jobs and I did a 401k rollover from my previous employer plan to the rollover IRA in XX/XX/2022. 

The previous employer 401k plan was offered by ADP through XXXX XXXX. The plan levied a hefty transaction charge of {$40.00} for the rollover transaction I made. I do not know who has jurisdiction over capping such high transaction fees. I read that you have recently proposed a rule to cap the late credit card fees to {$8.00} and was wondering if you have jurisdiction over capping transaction fees as well when an individual rolls over 401k from one plan to the other. I tried contacting XXXX XXXX  and they replied that this is the fees that they charge and they won't reduce or waive off the transaction charges. 

Please refer to Page 11 of the attached document of ADP that mentions the excessive fees - " {$40.00} Distribution fee on all distributions except installment payments and return of contributions relating to testing results and IRS limits '' If you can provide me information on the agency who I can reach out, that will be great. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I called the XXXX number because they were several {$36.00} fees on my account. I have n't called to have any of the fees waived on my account in years. I am disable and I asked the young lady XXXX employee # XXXX could she waive any of the fees. XXXX advised me that US Bank do n't waive any fees. When I asked her for a number to someone that I could speak to that 's over her. She gave me a p.o.box nnumber. I have been a customer at US Bank for over XXXX years and have even recommended family members to open up an account. I felt that the young lady was very rude and was n't even trying to work with me. To loose a customer that 's been a customer for years over {$72.00} fee is insane. Before I became XXXX I worked with many customers in order to make them happy. An employee like XXXX employee # XXXX could give US Bank a bad name with consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 keep trying to dispute a account which has been paid with XXXX  and they keep closing it without updating. There is also accounts from XXXX XXXX which are supposed to be deleted due to settlement out of court. There is a FTC and police department report as well

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: 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-15
Company: Tenaglia & Hunt, PA
State: NY
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:
In XXXX I received a collections letter from Tenaglia and Hunt regarding a credit card debt to XXXXXXXX XXXX which I do not believe I owe and replied requesting validation. I received a response which I do not beleive meets the requirements for debt validation under New York or federal law and replied specifically requesting the following : a copy of the original signed credit agreement or application, transaction summaries showing how and when the amount they claim I owed was calculated, proof that Tenaglia and Hunt was authorized to collect the alleged debt on behalf of XXXXXXXX XXXX, and proof that Tenaglia and Hunt is licensed to operate as a debt collector in XXXX XXXX XXXX  I received no further communication from XXXX or Tenaglia and Hunt for several years which I took as a tacit acknowledgment that they were unable to validate the alleged debt. 

On XX/XX/XXXX I received notice that Tenaglia and Hunt was seeking default judgement in a lawsuit they claim to have filed against me in XX/XX/XXXX. I was never served with this lawsuit and had no knowledge of its existence prior to receiving this notice. Per documents filed with the court the initial complaint was served to a third party identified only as " XXXXXXXX XXXX ( name refused ) - co resident '' ( I live alone and have no idea who this could be referring to ) and the complaint was sent by mail to an incomplete address. Documents also show that an additional notice was sent to the same incomplete address and returned as undeliverable by the postal service. 

I made multiple attempts to contact the attorney of record ( XXXX XXXX ) by phone but the number provided for him in a filing is directed to one of several non-attorney collections who immediately start talking over me or disconnect the call when I raise any of the following issues : The alleged debt was never validated, Tenaglia and Hunt knew or should have known that the original complaint was not properly served, by the time I became aware of the lawsuit the alleged debt ( if valid ) was time barred, all XXXX Credit Card agreements include a mandatory arbitration clause and even if the alleged debt is valid the lawsuit is improper as the matter should have been pursued in arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CreditNinja Lending, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Credit Ninja 's website fraudulently claims that it is not a payday loan company and has extensive descriptions about how its " Installment Loans '' are better and lower interest than payday loan companies. It falsely advertises its loans as " Installment Loans '' which typically have interest that can be reduced, if paid back early. There is no description on its website that states what I was told after I signed a loan, and spoke to a representative over the phone. The company is in fact a predatory lender and should not be allowed to falsely advertise itself as an alternative to a payday loan company. I was told over the phone, that this company is a CAB company and it does not fund the loans. It only collects a CAB fee. The fee they added to my {$1000.00} loan is {$15000.00}, which is 250 %. The representative I spoke to over the phone, right away pointed me to language in the loan agreement about the CAB fee not being interest ( which is the only place it appears ) which means two things : first, they get this complaint all the time, and secondly, they know their advertising and website to be misleading. I asked if I paid the loan back early, could I reduce the amount owed, and I was told there is no way to reduce the CAB fee. I was told they only thing I could do is default and try to settle for less than I owed and it would be reported to the credit bureaus. This lender is unscrupulously taking advantage of consumers with false advertising and unwilling to take a fair settlement without damaging consumers credit.

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 2021-03-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have had my PayPal account for 20 years. I logged in on XX/XX/2021 and 2 minutes later I get a message saying my account has received permanent limitations. When I call to figure out whats the problem, they cant give me an explanation. I have not had and transactions since middle of XXXX. Their attitude is basically just oh well. This account has been important to me from the beginning and I have done my best over the years to make sure I dont do anything to warrant something like this and it happens anyways. The reason I even logged in that day was to get the info to have my social security check direct deposited to the account. 20 years means nothing to them apparently!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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/19 I contacted TransUnion credit bureaus to request information regarding an collection debt account reported on my credit file for {$3000.00} from XXXX XXXX XXXX. I requested proof that this alleged debt belonged to me pursuant to federal law. 

On or about XX/XX/19 I contacted the debt collector XXXX XXXX XXXX by phone and left a message for the representative assigned to the alleged debt. I left my phone number and information and no one contacted me back. 

On XX/XX/19 Transunion responded and reported the alleged account had been verified. No other information was provided other than the alleged account number, when it was reported, the amount, the debt collector and the original " alleged '' creditor. 

On XX/XX/19 I requested information regarding how they verified the debt and I requested for a second time proof the debt belonged to me since I the debt collector never responded back to me. I included Transunion reference account number and pertinent information. 

On XX/XX/19 Transunion responded and stated in a second letter that they did not understand my previous request. 

TransUnion has not been able to prove under federal law that I owe this debt either by providing me the original contract to this debt or a certified copy of an agreement with my signature with the creditor. They have also failed to substantiate how they verified this debt per federal law. They failed provide me with the method they used to verify this debt. They have not complied with federal law.

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 2023-10-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I've sent letters to all 3 of the credit bureaus as well as the companies individually regarding inaccuracy reporting on my credit report of Inquiries I did not authorize and in accordance FCRA I'd like the inquires to be removed immediately. The list of inquires amongst the 3 bureaus as listed XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EquifaxXXXX 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 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 XXXX

Company response to consumer: Closed with explanation