BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-23
Company: U.S. BANCORP
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit card by US Bank Kroger Mastercard was opened and items added up to {$20000.00}. The person closed the account and opened up multiple accounts even after I called and said these charges were fraudulent. US Bank said a second card was opened and had additional charges of {$20000.00}. So, in total per US Bank it was a total of {$40000.00} between the 2 cards. Also, My personal bank at XXXX XXXX XXXX was attacked and they attempted to get money from my personal checking account. The person was XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Cell number from XXXX XXXX, ( XXXX ) XXXX. 
I received some information on the charges and I was promised all the information and I signed a sheet saying the items were not charged by me. I received letters from XXXX and XXXX, XXXX XXXX XXXX, Ext XXXX and Ext XXXX. I talked to XXXX several times and promised all the information and I still have not received all the charge information I need additional information to file a police report so this can be complete on my credit reports and also to see if charges can be filed. This has been a long process and US Bank was helpful at first but I can not get all the information that is needed now.

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 2024-02-02
Company: Carter Business Service, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/24 a supposed debt was recorded against my credit file, I contacted Carter Business service and was responded to by a representative named XXXX. 

I asked for confirmation of the debt and that I would be disputing the debt as it is not mine, he has not responded to claims and I have received no form of communication from this company about a debt I supposedly owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have a business and open a savings account at the bank. a bank account for the company. They never sent us the cards. We put money in the account and without the cards we can not transfer or withdraw the money. We haven't been able to get the money for 2 months now.

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 2024-01-18
Company: Paramount GR Holdings, LLC
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am a XXXX  member of the XXXX XXXX XXXX XXXX getting XXXX next week. I have reached our to all of my banks, financial institutions, and services that I have loans with in order to apply the XXXX XXXX XXXX XXXX XXXX ( SCRA ) in accordance to the Federal law. GoodLeap is one of the institutions I have a loan with. All of the other companies/banks/institutions have promptly honored and applied the XXXX by lowering my interest rates. On the contrary, GoodLeap has failed my numerous attempts to get even the slightest bit of communication or progress with this matter. Below are the dates I have reached out to them : XX/XX/XXXX : Initial Attempt- Routed to outsourced department overseas- unaware and unfamiliar with XXXX. Advised to send email to XXXX ( which I did ) NO RESPONSE XX/XX/XXXX : Second Attempt- Routed again to same billing department overseas, same scenario, unfamiliar with SCRA and advised to send another email including XXXX orders to XXXX I stayed on the phone while I sent the email until the representative confirmed that they received my email and advised to wait for response. I only recieve confirmation that email was received. 

XX/XX/XXXX : Third Attempt- Routed to the same department overseas and was told that they need to submit yet another request. At this point, with my XXXX quickly approaching, I requested to speak to someone onshore in the XXXX. I was transfered to an agent by the name XXXX, who was ALSO unaware and unfamiliar with the XXXX and ALSO advised that he will submit another request. I asked to speak to a Supervisor transfered to XXXX who asked me to email the documents once again and promised to personal follow up with me on XXXX, XX/XX/XXXX XXXX have recieve no communication with her whatsoever. 

XX/XX/XXXX : Fourth Attempt Called again requesting XXXX, spoke with XXXX who was ALSO unfamiliar with XXXX. She reached out to her Supervisor who was ALSO unaware of the XXXX and advised me to speak to the billing department once again. I explained that I have already done so along with all of my other attempts. Supervisor refused to get on the phone with me and advised XXXX to connect me with the Loan Servicing Department. The agent I was transfered to was ALSO unaware of the XXXX and said verbatim " this is not something we do in this department ''. XXXX assured her that this is the correct department and requested to get a Supervisor to assist. Agent advised that there are absolutely no managers or Supervisors working today and offered to give a callback. I advised them that I will be filing an official complaint and disconnected the call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I tried to pay my Crate & Barrel credit card with my savings account using their online portal on XXXX XXXX. It was rejected. I called them and they said that the account number was incorrect the representative said it did not matter that it was a savings account. I checked the account number and tried again. It was rejected again. I called again and they then told me that they did not take payments from a savings account. I said I could write them a check but it could not be processed as an ACH it would have to be deposited. The rep did not know how to tell me to do that. I reviewed my bill and there are instructions on the back of their bill on how to do this. You write a paper check and mail it to the address on the back in your OWN envelope. Which I did. I didn't even include a copy of my bill to be sure it would not get processed incorrectly. I put my account number on my check. Synchrony received my payment of {$4900.00} and attempted to process it as an ACH on XX/XX/XXXX. It was kicked back. At this point I had interest fees as well as late charges on this account. I called and spoke to them and they did remove the late fees and interest fees associated with my Crate & Barrel card. I paid the balance of the Crate & Barrel card in the amount of {$5100.00} on XXXX 
I have two credit cards for two different stores with Synchrony. They closed both of these accounts which has affected my credit. I called and spoke to them multiple times and have spent HOURS trying to get this sorted. They said I needed a letter from my bank however when I called my bank my bank has no record of the check ever being presented because it was done ACH therefore there is no letter to write. I ask Synchrony for a copy of the deposited check to be mailed to me but that could not be done ( because it was tried to process ACH ). The funds were in both accounts both times I tried to pay! I really don't care about having these credit cards. However, I DO very much care about my credit. Number one, it does not state anywhere that you can not pay online using a savings account. I use this same savings account to pay my XXXX bill so I know it can be used for electronic payments. In addition to that their own customer service reps. ( one of which was a manager named XXXX XX/XX/XXXX ) doesn't even know this. Secondly, I followed the directions on the back of THEIR bill in order to get this paid not as an ACH. In no way should their incompetence be allowed to affect my 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 2024-01-30
Company: Diversified Adjustment Service, Inc.
State: MI
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:
On XX/XX/2023, I sent a validation demand letter to Diversified Adjustment Services requesting a full validation of debt on an alleged debt that they claim that I owed. I received no response.

Imagine my surprised, when I viewed my credit files, and this fraudulent debt is now listed on my credit files, after they refused to verify the debt, and chose to ignore my legal request for the demand. This has dropped my credit scores over XXXX points, and has caused me a lot of grief and harm for a debt that is not mine, and that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: U.S. BANCORP
State: IL
Product: Credit 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 have a visa card from Elan Financial services and two fradulant charges were posted on my account on XX/XX/year> by a company named XXXX for {$7.00} and a company named XXXX for {$30.00}. I have repeatedly disputed these chargesd and talked to several representatives from the fraud department at Visa and just finished talking to XXXX in the fraud department and they keep promising that it will be taken care of but no credit has been issued to my card as of yet. Elan financial had chnged my card twice to stop this company from posting charges but these charges went through. There were two other charges posted in earlier month and it took me a while to resolve the dispute for those 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 2024-01-22
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This company wont help us on payments. They want the money for a used 2016 car. they wont work with us. And plus they charge interest every day. And the car was in an occident. I know that they wont let me skip a payment to get it fixed. We contacted our insurance company its XXXX to get it fixed. But Im paying to much money on insurance every month so XXXX stuck. The loan is worth more than the car they want XXXX.its not worth it for a 2016 XXXX XXXX XXXX Its had 3 owners and one accident on it report. I just want out of this loan situation

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 2024-01-22
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a loan with this company and it is the worst loan I ever gotten. It is a title loan and I only XXXX or more with fees and interest. I got one or maybe two months behind because of me being off work for XXXX, yet now I am current. When I asked for one payment to be put on the end of loan I was denied. I received several disturbing phone calls more than three to four times daily, not respecting me or my work hours, being that I work starting at XXXX in the mornings. The messages are aggressive and mean. I was also a victim of debit card theft and it took me a minute to straighten out my bank account. I am thriving to get my title back, so I can remove myself from them calling my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a car for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is HJR 192. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.

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 2024-01-26
Company: National Enterprise Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never properly educated on being able to dispute my debt on a credit card through XXXX XXXX XXXXXXXX. I also was moving during the time of making these purchases, and I believe they were sending notices to the wrong address until they realized I moved. 
It is slightly over {$4000.00}. Ive been able to pay off some of it but its impractical for me to be able to pay it all off with other bills when I couldve disputed it, if made aware. I am a low income adult.

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 2024-01-26
Company: Experian Information Solutions Inc.
State: DC
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX 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 has violated my rights with these unauthorized inquiries. 

. Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I've never lived at these addresses listed above. 

15 U.S.Code 1681 Section 602 A. States I have the right to privacy.

15 U.S.Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX there was an incident where I my information was stolen and fraud occurred with a XXXX XXXX XXXXXXXX account. They were called and never stated to me the proper steps to take to submit a claim. My information was stolen due to my information data breach and exposure to XXXXXXXX XXXX. The FTC has been notified and a report has been made since I discovered how to submit one in XXXX. The fraudulent information in XXXX XXXX needs to be removed due to inaccuracy.

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 2024-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America took {$1000.00} out of my account that I never authorized. They did not send any correspondence that they were planning to do this. I want this put back immediately. They have made it so I cant pay 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 explanation
Consumer complaint received 2024-02-06
Company: Diversified Adjustment Service, Inc.
State: NJ
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:
On or around XXXX of XXXX someone made a contract with XXXX using my identity to get service. When i went to purchase a car in XX/XX/XXXX I had discovered the fraudulent act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05
Company: Atlanticus Services Corporation
State: GA
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 recently got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation