BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: Possible Financial Inc
State: MD
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased two American Express gift cards from XXXX. With first purchase I was able to use the card with no issues. After trying to buy groceries my card declined. I tried it again and I got an error. So now there {$80.00} of my money that I dont have access too. American Express told me to try it at various store. There has been no success. Ive tried XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX All telling me theres an issue with my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were four created accounts created on XX/XX/2022, which I did not apply for and there was one that was created a day before the four. I did not apply for any bank or credit cards. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It frustrates me seeing the Credit Bureaus do nothing in order to correct the disputed accounts that are being reported on my Credit File despite the multiple and countless dispute letters and CFPB complaints I have been submitting to the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Bureaus are required to investigate a consumer 's Credit File and correct and or remove the erroneous information from my Credit File. However, the Credit Bureaus have been ignoring my requests and continued reporting the disputed accounts without sending me copies of proof of verification. I am submitting yet another CFPB Complaint to request to the Credit Bureaus to remove the disputed accounts completely from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} 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 2020-12-26
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a notice in the mail stating a judgement request had been filed in XXXX county superior court against me by XXXX XXXX XXXX at XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX with contact number XXXX. The suit had originally been filed a year ago and I never received any type of notice as required by law nor any other forms from them related to this debt that it seems was purchased by a third party. The car number is XXXX un the amount of XXXX. I also never received a notice of validation also required by law. I have attempted to handle this directly with the law group and they are uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

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 2023-10-11
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My financial institution refuses to handle a problem with a company that has and continues to try to take money out of my account that is fraud. Theyve canceled my debit card without my permission and then noted on the account that the charges were not fraud. I have called repeatedly and tried to have this taken care of with no success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Act. XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604A. 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 a account without proper written instructions.

15 U.S.C 1668b. Also states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2020-12-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX I contacted Citi to close my Citi Premier Card due to the annual fee. Given that everything has changed due to covid, I thought I should save that {$95.00} rather than pay the bank. While speaking via phone, the representative offered me a deal/offer : If I spend $ XXXX/month, for three months in a row, Citi will refund the charged annual fee. Given that I like the card, chose to accept the offer, I even thanked the rep For offering me that. Offer was active from XX/XX/XXXX to XX/XX/XXXX. I did spend the required amounts, yet the annual has not been refunded. I have contacted Citi a few times via phone and via Chat ( message us tool at citi mobile app ). Via phone I have spoken to : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and the Last time I spoke via phone was on XX/XX/XXXX, first with a rep called XXXX, then with a supervisor named XXXX. -XXXX  confirmed that I have completed the required spending, therefore I will get the fee refunded at the end of the cycle XX/XX/XXXX. It did not happen. The chat reps were absolutely incompetent ( last conversation tonight XX/XX/XXXX XXXX with XXXX  ). 

Today, 6 months after Citi promised and offered the deal, ( I paid the {$95.00} annual fee in XX/XX/XXXX ) I am writing to you due to their irresponsible behavior. They should have let me close the account, not lie to me with an offer or promise they did not intend to fulfill!

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 2021-08-25
Company: EQUIFAX, INC.
State: IL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, I visited the Bank Of America XXXX in XXXX, CA at approximately XXXX am with the intent to deposit {$500.00} cash into the ATM. Upon putting in my information with the card and attempting to deposit the cash the machine accepted my money and proceeded to make the sounds as if it were counting it. I stood there for a few minutes waiting for the machine to finish counting and after a while, a loading screen just kept popping up. Worried about my money being taken and not deposited I hit the cancel button on the screen. The machine gave me {$1.00} back out of the entire deposit and gave me a receipt stating " We apologize for the inconvenience. We are unable to process your request and can not return your item ( XXXX ). Please contact our XXXX Claims team at XXXX to discuss this transaction ''. 

After this incident, I went inside the bank with the receipt and told a bank teller what happened. He directed me to open a claim ( which I did ) and told me everything would get sorted out within a few days. However, as of XX/XX/2021, my claim has been declined. I spoke again on the phone with the claims department who could not provide me information as to why my claim was denied or allow me video camera access to the date and time that I was there.

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 2020-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My account was compromised, i lost almost {$2000.00} because an identity thief opened an account with my info then transferred my money to the newly opened account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called customer service on XX/XX/2020 to request Covid 19 assistant because I had lost hours at work due to the pandemic and was concerned I would not be able to maintain my account. The rep advised assistance would be granted XXXX through XX/XX/2020 and I did not need to make any payments at that time. The company them reported me late for all 3 months. I called several times spoke with multiple reps and supervisors and they refused to assist me with the removal. I reluctantly tried again in XXXX a supervisor finally requested a review of the call and reversed XXXX and XXXX negative marks but not XXXX stating I had a balance from XXXX. I advised I didnt get an E-statement for XXXX and when I spoke with the rep in XXXX she advised no payment was required. After escalating this issue beyond supervised to collections four times they advised to pursue filing a claim they refused to remove the negative mark for XX/XX/2020. I am extremely upset and feel this is unethical to misrepresent my payment history for you a internal error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have reached out over the past two days and requested Citibank to reapply my previous payments to the promotional balance on my account. I specifically set up my payments to be enough to pay off my promotional balances. In addition I had a previous balance that I believed to have had paid off and they still charged me hundreds in interest. When I set this card up, I was told my payments would go to first the minimum payment owed on any balances on accrual. Then additional funds would be applied to my Promotional balance. This was a lie, and a lie to obtain additional funds XXXX. When I noticed the issue, I requested reapplication of the funds and a review of my account. They responded with a 8 step payment processing order. Which after I reviewed appears to have direct violations in relation to Reg Z as well as the Card Act. I continued to request and even offered to inform them of where within the regulations they were violating. The response I received again was that they are in accordance with the law. They then provided me steps on how to change how my payments are applied and those steps were inaccurate. These steps were part of an automated response and falsely informed me as a client the steps to take to have my payments applied correctly. When I pushed back and explained that there automated response was not only wrong but also a system XXXX issue given it provided and disclosed information. They came back and apologized for the miscommunication and told me to call a number. I understand they are regulated by the OCC however, I  hope the CFPB could do something to assist me.

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 2020-12-27
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sitting at home checking my emails and received notification that my information had been exposed in the XXXX data breach and it caused me to check my credit report. I noticed a few accounts that I did not authorize or recognize to be anything I had done. I reached out to the creditors as well as the bureaus involved. I sent the first certified letter to PDQ on XXXX XXXX asking for a validation of the debt which I received no response nor did I ever receive anything prior from them regarding a debt. I then sent a certified letter to XXXX and XXXX disputing the debt. One bureau replied stating unable to verfiy the debt and removed the account from my profile the other showed verfified. I then sent 2nd letter asking for validation of debt and still no response. At this point I know my rights as a consumer of the Fair Debt Collections Practices Act has been VIOLATED. The collector must validate the debt and PDQ has failed to do so and if this office is not going to enforce the law I will have no choice but to file a lawsuit. This has caused me more distress physically and mentally. I have all correspondence that I have sent certified to both the collection agency and credit bureau attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I never received this loan the company showing on my report refused to send me anything verify the validity of the loan or my request for the loan. I have never received any documentation as to anything regarding this and now they are reporting delinquencies on my credit file.

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 2023-08-29
Company: MOHELA
State: NY
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 am writing this letter to request that my in-school deferments are waived/ reversed for XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. XXXX reason is that I am part of the XXXX v XXXX case due to going to a fraudulent college ( XXXX XXXX XXXX XXXX XXXX ). As a result, any student loan related information/penalties pertaining to that college should not apply to me. This includes the in-school deferments shown on my Mohela and student aid accounts. 

Also, the Master Promissory Note ( MPN ), contract, between myself and federal student aid was not abided by from federal student aid nor XXXX. The XXXX states that if the XXXX processes a deferment based on information received from my school, I will be notified of the deferment and will have the option of canceling the deferment and continuing to make payments on my loan. ( This was not offered to me. ) The XXXX received information from my previous schools about my status, but the XXXX failed to inform me unlike what was stated in the XXXX. Both XXXX XXXX XXXX XXXX XXXX and XXXX University provided information regarding my enrollment status, but the DirectLoanServicingCenter did not inform me of the option established in the MPN. Therefore, my time in in-school deferent for those periods should be waived as the XXXX nor federal student aid abided but the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EAST WEST BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XX/XX/23 : I applied for an account w/Eastwest Bank XX/XX/23 XXXX Bank account XXXX was approved ; I applied for the XXXX XXXX XXXX that EastWest Bank  XXXX XX/XX/23 : My application was declined, no reason was provided XX/XX/23 - XX/XX/23 : I made several calls to EastWest bank , first to their online customer support ( Rep is XXXX  ) , then to the XXXX XXXX XXXX ( rep is XXXX XXXX ) . 

The reps demonstrated some confusion : XXXX recommended I apply as a new customer ( even though I was an existing customer ), I tried and the application just crashed ; XXXX stated that the XXXX card is no longer available. I believe XXXX then spoke to XXXX, so XXXX followed up by recommending that I apply at the bank branch in person. This is difficult, as I live XXXX hours away. 

XX/XX/23 : XXXX requested I forward her the reason for the XXXX card denial, I forwarded her the email ( which did not provide a reason ). I emailed XXXX and she looped in Online Banking ( Rep is XXXX XXXX ) XX/XX/23 : XXXX responded saying that I am not qualified for the XXXX XXXX XXXX, because I am an existing customer. I forwarded XXXX the page from the EastWest Bank website, stating that existing customers are eligible for the XXXX prepaid card. ( I also asked whether I would be eligible, if I closed my bank account, but did not receive a response ). 

XX/XX/23 : XXXX responded as follows : " Upon checking with back office, XXXX XXXX card is available for existing customers. However, we are sorry to tell you that your online application for XXXX XXXX was decline, and the application that submitted at the branch will get the same result. '' XX/XX/23 : I followed up XXXX, XXXX XXXX, requesting they provide a reason for future denials of the XXXX XXXX XXXX. No response. 

XX/XX/23 : I followed up again. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a drone in 2020 on XXXX and ended up returning it. I have proof that I returned it and witness ( wife and business partner ). We returned this item valued at {$710.00}. 

Now, me thinking that everyone does the right thing. I never knew until three years later, I don't know if it was an accident they sent me secure messages regarding past disputes or what, but I found out I never got my money back. I opened a dispute many months ago and Paypal has not resolved it. I was working with XXXX XXXX from Paypal. I do not want to let them get away with this. {$710.00} is a lot to let someone get away with. Please help resolve this. 

The other problem is they are bad at record keeping. Ask them to show proof of anything over two years ago. They can't do it. I trusted my money with them and feel betrayed. Whatever their reply, we returned that item through 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 2020-12-27
Company: Experian Information Solutions Inc.
State: VA
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:
Beginning on XX/XX/XXXX, I filed a dispute with the credit bureaus. I later sent a letter on XX/XX/XXXX and again on XX/XX/XXXX. i requested that they do a full investigation in regards to these accounts but the incorrect and false information is still showing on my credit report. Section 611 ( a ) says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been well over 60 days since I have been going back and forth with them and I feel as of my request is being ignored or overlooked. I am demanding that this accounts be deleted immediately or I will seek legal representation since these accounts are in litigation due to a workman 's comp case.

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