BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-22
Company: CITIBANK, N.A.
State: PA
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:
Was solicited for a XXXX XXXX for {$10.00} credit after spending at least {$20.00} at a XXXX gas station via the XXXX app and using my Citi XXXX XXXX ending in XXXX to pay. Accepted offer on their website prior to spend and then filled exactly {$20.00} per terms ( solicited offer terms and conditions.png ) onXX/XX/XXXX ( BPme receipXX/XX/XXXX 

XX/XX/XXXX : Contacted Citi customer service via chat. Was told that they did not see a current offer, only XXXX that had expired inXX/XX/XXXX ( citi chat bad XXXX ). Was told to email terms and conditions of the offer to XXXX by their representative ( citi chat bad XXXX ) ( Untitled.pdf ). It was transpired that the representative gave me bad info ; XXXX is for an XXXX XXXX card, which I never had. 
XX/XX/XXXX : Received mail ( citi refusal XXXX ) from Citi saying that I was not solicited for that Merchant Offer. 
XX/XX/XXXX Contacted customer service via chat. Told to call. Was told not showing signed up on any offer. See ( Screen Shot XX/XX/XXXXat XXXX ) showing that I was, in fact, signed up for multiple offers. 
XX/XX/XXXX: Same response asXX/XX/XXXX ( citi refusal XXXX ). 
XX/XX/XXXXCiti mailed response showing they stood by their original response of XXXX offer good only until XX/XX/XXXX ( citi refusal 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 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent all three credit bureaus a certified letter to have this hard inquiry investigated and removed from.my credit reports. This hard inquiry from XXXX XXXX XX/XX/18 has contributed to my hardship, stress as well as I've been denied credit and home loans because my credit score has dropped drastically due to this hard inquiry being on my reports. The three credit bureaus have violated the FCRA laws that protect consumers. They are suppose to report only accurate information and respond to dispute from consumers in a timely manner. They never responded to my requests. And it has been well over 90 days.

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 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, 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 have opt- out all promotional offers and stop doing inquiries as loans credit cards and all offers as I se on my credit report. I have not requested or ask for Pay Day loans or any credit offers as I se on my credit files. I also want all offers and Inquiries removed as i see on 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 explanation
Consumer complaint received 2023-08-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XX/XX/2023 I tried to make a cash deposit of {$1500.00} to my USAA account at a Non- USAA ATM ( XXXX XXXX XXXXXXXX XXXX. The ATM took my money but the deposit didnt go through. I got a receipt the stated " We encounter a problem returning your cash Please contact your financial institution. '' I call USAA and file a claim that same day, USAA close out the claim the same day and said it a non-USAA ATM they can't help me please contact the ATM owner. I went to XXXX credit union and told them what happen and they said USAA need to start the investigation and contact XXXX so that they can send the money. I refile the claim on XXXX XX/XX/2023 and on XXXX XXXX USAA close the claim for the same reason Not USAA ATM so not our problem. 

I went back to XXXXXXXX XXXX XXXXXXXX and the teller there was very helpful even though I am not their member. They sat down with me and call USAA. USAA operator told them the same thing they told me " Not their ATM '' and pretty much hang up on them. WOW! Now I'm embarrass my own bank whom I bank with for over 20 year are not willing to help me but XXXX is doing what they can to help. 

I call USAA multiply time and the operator ask me the same question every time. They told me that they will leave a remark on my claim of what happen. Every time I call to get an update, it seem like no remark was left and I have tell them what happen over and over again. I am very frustrated of telling the same story numberest of time. I have given USAA the copy of the receipt and a copy of my police statement. 

Again I call USAA today XXXX XX/XX/2023, the USAA operator ask me the same question, I have to tell her the same story and she will leave the same remark. 

XXXX  see that there was an ATM error and {$1500.00} is unaccounted for on XXXX XX/XX/202XXXX XXXX  want to me give me the money back but the need USAA to start a claim on my behave to start an investigation. USAA can't even do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: ZIONS BANCORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My bank debit card was compromised and used without my permission by an identity theft criminal on XX/XX/19, I called the bank to report that someone has access to my account and bank card, the customer service recommended not to file a police report for identity theft and allow them time to investigate. the bank found foul play and returned the stolen funds back to my account. On XX/XX/19, I stopped in to my local NEVADA STATE BANK BRANCH to close my account, they gave me a hard time and it was embarrassing, the teller confirmed my account was closed, but NEVADA STATE BANK were acting willfully negligent and allowed my account to rack up fees before the bank closed it on XX/XX/19, which resulted in being charged fees of {$250.00} or more that I am not responsible for due to the banks willful negligence they allowed my information to be compromised. THIS BANK COMMITED FRAUD!

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 2018-09-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have sent Fair Collections & Outsourcing a Debt Validation letter three times asking them for proof that I owe them any money. I have ask them to provide me proof that I signed any letter or invoice stating that I would pay them for any service. They have failed to provide me with any proof. I have asked them to stop reporting this alleged debt to the three ( 3 ) major credit reporting bureau 's ( XXXX XXXX, XXXX and XXXX ) until they provide me with the proof I have requested, they have failed to stop reporting this alleged 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 2023-03-24
Company: Commercial Acceptance Company
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted " Commercial Acceptance Company '' on XX/XX/23. I made the representative aware that I had medical insurance coverage for the date of service, and my insurance company was responsible for this bill. The original collector XXXX XXXX XXXX XXXX XXXX ) neglected to document and bill my insurance company -- then, sold my debt to Commercial Acceptance Company. I received a notice in the mail from Commercial Acceptance Company, and spoke to them 1 time. I was under a lot of stress ( which is documented ) due to a car accident, XXXX pandemic, death of family member, loss of my home, and trauma -- and asked for additional time to return their call. I followed up with Commercial Acceptance Company on XX/XX/23, and the representative was very nasty -- as she kept talking over me and didn't allow me to finish my sentences. I told her that I had insurance coverage at the time of services -- and that XXXX XXXX neglected to bill my insurance company. The representative refused to accept my insurance information so that this bill could be paid in full. I'd like a copy of my signature showing that I agreed to pay this bill -- as opposed to my medical insurance company paying the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-18
Company: EQUIFAX, INC.
State: MO
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:
The following accounts are fraudulent and has affected my credit file. These unauthorized and unknown accounts are not mines therefore I'm demanding that this accounts be removed immediately. 

1. XXXX XXXX  {$1700.00} 2XXXX XXXX {$2800.00} 3XXXX XXXX XXXX  {$830.00} 4. XXXX {$620.00} 5. XXXX XXXX  6. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 submitted a complaint 60 days ago and still have not received a response back from any of the bureaus, they have been closing my complaints by sending back authorization of verification when I have sent all documents with all Identification including : Drivers License, Social Security Card, and Proof of Address, this has been more time than allotted to respond, please delete all accounts not verified at once, I feel I am being ignored and if I send another letter this will go no where. Please do not respond with anymore authorization for verification, I feel this is a stall tactic to gain more time for not doing your jobs correctly, I have supplied all items needed for the investigation to take place, and you have neglected to do so. I am not just another nobody, this is affecting how I live my life. 
Complaint numbers as follows : XXXX : XXXX  XXXX : TRANSUNION 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 explanation
Consumer complaint received 2018-12-05
Company: Financial Credit Service, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Contacted at my place of employment XX/XX/XXXX, by a Mrs XXXX at ARA, XXXX XXXX XXXX XXXX. They advised me they were calling to collect on a debt from XX/XX/XXXX, which is 25 years old.  They refused to give me any info, other than the name of the original creditor, and the supposed amount owed. 

I told them not to contact me at work anymore, and that the statute of limitations expired for the State of SC 18 years ago. They were extremely ride after I stated this, threatened that they will garnish my wages, and have me arrested. I also have a phone recording of the conversation. 

I am sending them a certified, return receipt little advising then to not contact me any further and that the statute of limitations had long expired. I was advised by my attorney to do so. 

It's also very disturbing that this company has my personal info, including my SSN. They ran a soft credit check on XX/XX/XXXX to get my work information. I did not give them permission to do so, obviously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} 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 2023-07-03
Company: Collection Management Holdings, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX I was going through my consumer report and Credit management who is a 3rd party debt collector is on my consumer report. They never sent me any notification of attempting to collect an alleged debt and I did not know about even disputing this alleged debt because they placed it on my consumer report. This is also a hippa violation and due to the privacy act of 1974 my information was sold to this collection department without my knowledge which is a federal violation. according to 18 usc 8 all obligation of debt belongs to the united states and identity theft is a federal crime PER 18 USC 1028 A. According to the medical debt collections act any creditor is prohibited from placing a medical debt on any one consumer report when the debt was less than 1 yr old. Unfortunately this alleged debt does not belong to me. I am opting out of this item reporting to my consumer report per 17 cfr 248.125 and due to the privacy act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a refund of COVID payments on XX/XX/2022. When can I expect the refunded payments to arrive? Is there anyone that can provide a specific estimate instead of a general 120 day estimate? 

This is a significant amount of money and I am concerned at how little information is provided about the refund process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Account name and number XXXX XXXX XXXX XXXX XXXX XXXX Account name and number : XXXX XXXX XXXX XXXXXXXX ) Account name and number : XXXX XXXX XXXX XXXX ) Account name and number : XXXX  XXXX XXXX XXXX XXXX ) Account name and number : XXXX XXXX XXXX ( XXXX ) Account name and number : XXXX  ( XXXX ) Account name and number : XXXX XXXX  ( XXXX ) Account name and number : XXXX CREDIT ( XXXX ) Account name and number : XXXX XXXX ( XXXX ) Account name and XXXX XXXX XXXX ( XXXX ) 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 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.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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 2021-03-18
Company: EQUIFAX, INC.
State: PA
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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Midland funding LLC sued me on a time barred debt on XX/XX/2019. 

The following is the garnishment on my wages from a time barred debt. 

XX/XX/2019 Garnishment {$250.00} XX/XX/2019 Garnishment {$37.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
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: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.

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 2023-07-03
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
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:
This company continues to report an auto loan that was included in a bankruptcy almost six years ago. They are currently reporting 120+ day late payments. There are several inaccuracies also being reported and I need the account removed from my credit reports immediately. The date the account went delinquent is also incorrect. They have it reported as XXXX. This account was due to be removed from my report this year but then they changed to date and continue to report late payments. They have continued to report false information. This is a predatory lender with several claims and lawsuits already filed against them. They must be stopped from doing this to people.

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