BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
TD Bank was running a promotion Open a TD Beyond Checking Earn {$300.00} Bonus. The Terms and Conditions for this promotion are attached. Although I met all the requirements stated in the Terms and Conditions, I did not receive the {$300.00} bonus. I have been contacting their customer service through messages and phone calls. The customer service admitted that I am qualified for the bonus, but they couldnt help me in this case since the bonus is managed by their marketing department. The excuse from the marketing department is that I got a bonus three years ago. However, that account was closed 3 years ago. It states clearly in the Terms and Conditions that the offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the Fraudsters or Companies ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. 
Money was transferred from my XXXX XXXX XXXX account in the total amount of XXXX USD utilizing Zelle 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collector employed abusive, deceptive, and unfair practices violating the FDCPA. They reported an account that we did not agree upon, and I have not signed any agreement. A legal contract involves XXXX parties, and I want to make it clear that I was not a part of this. Moreover, they neglected the proper XXXX validation procedure, constituting an unfair practice. According to the FDCPA, I am entitled to {$1000.00} compensation per violation, and it's clear they infringed on my right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, dispute letters and id documents went out to all three credit bureaus by the financial company I hire to build my credit. I have not received any communication from Trans Union, XXXX or XXXX. I called XXXX and the customer service rep said that they had not received a dispute since XXXX. I was not able to get through to XXXX or Trans Union but neither has responded to the disputes that were sent on XX/XX/XXXX, by first class mail. Please look into this matter and please let me know what you find! 

Warmest Regards, 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 2020-03-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
Ii have been struggling to resolve ID THEFT FRAUD TO NO AVAIL FOR LONG LONG TIME.. I am Unable to Access my account on line due to a Severe Hand Disability.THEREFORE, I am requesting ( Special Needs Options ) for the XXXX. Please provide Written Documentation of all Fraud Reports from XX/XX/XXXX thru XXXX XXXX. USAA IS ON LINE BANKING ONLY FOR ME. I HAVE NO ACCESS TO THIS INFORMATION ANY OTHER WAY. Please include written documentation of the resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citi Bank refunded my last payment in the amount of {$500.00} last Friday. It has been 7 days and I have not had the refund post to my bank account. I was told it would take 3-5 business days. It is clear that Citi is holding my money out of retaliation for no 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 explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 non-monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$4300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX XXXX 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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-31
Company: U.S. BANCORP
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX VA XXXX ( XXXX ) XXXX sent a garnishment summons to my employer for a credit card judgment debt dated XX/XX/XXXX, filed in XXXX XXXX XXXX This is a XXXX XXXX XXXX debt. This debt exceeds the time limit of the statute of limitations law of the state of Virginia. No notification was received for this garnishment. I received my paycheck with a {$700.00} unknown garnishment. Today I received a copy of the garnishment summons from my employer, filed in XXXX XXXX. The paperwork reflected the creditor as the above XXXX XXXX with a court hearing date of XX/XX/XXXX at XXXX am. A hearing date in the future, 4 months away but a paycheck that is being garnished last week of {$700.00}. I am not an attorney but this seems to violate so many laws on so many levels. The debt is expired and even so I have not had the chance to dispute this debt or have I had the hearing as shown on the garnishment summons. I will be seeking legal counsel to assist further in suing this collection agency for unlawful collection tactics.

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 2022-08-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter addressed to the Credit Bureaus last XX/XX/XXXX requesting that the Credit Bureaus conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for the Credit Bureaus to responf and yet they have sent me nothing. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$270.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} Date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: FL
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 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 2020-03-19
Company: EQUIFAX, INC.
State: NC
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 wrote three requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. Equifax is under FCRA law to obtain the of the original creditors documentation on file to verify that this information is mine and is correct. I have already filed a FTC Report and Police Report. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: NY
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 CONTACTED IQ DATA TO SETTLE DEBT.I PAID EXPECTED AMOUNT. CREDIT CARD WAS OVERCHARGED. I REPORTED TO THE BANK AND TO IQ DATA. I WAS INFORMED THAT THE SETTLEMENT AMOUNT IS HIGHER, THAT I CAN EITHER PAY WHAT THEY WANT OR THEY WILL JUST REMOVE THE AMOUNT I PAID FROM THE TOTAL DEBT AND NOT ACCEPT THE SETTLEMENT AGREEMENT. THERE WAS NO WAY TO DISCUSS WITHOUT BEING YELLED AT. THE MANAGER THREATENED TO CANCEL PAYMENT, CANCEL SETTLEMENT AND RUIN MY CREDIT SCORE. 
I NOTICED THAT MY OUTSTANDING DEBT WAS REDUCED BUT NOT CLEARED. THE STATEMENT I RECEIVED UPON PAYMENT INDICATES SETTLEMENT. 
I NEED HELP WITH CORRECTING MY CREDIT SCORE AFTER PAYING SETTLED AMOUNT AS THE ATTACHED PAPERWORK CONFIRMS.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to the Credit Bureaus on XX/XX/XXXX, requesting them to investigate and remove the accounts and inquiries that are unknown to me, as reported on my Credit File. I recently discovered a relevant law, namely the FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that the Credit Bureaus are obligated to remove any such accounts, inquiries, or information within 4 business days after XX/XX/XXXX. I have previously mentioned this law in my complaints, and I am reiterating it now. The items in question are as follows : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I want to emphasize that I did not initiate these inquiries nor did I authorize anyone else to do so on my behalf. I suspect that this is a case of identity theft, and I am taking appropriate measures to report it to the authorities. Although I am unsure about the exact nature of these unauthorized accounts and inquiries, I trust that you will conduct a thorough investigation to ascertain their legitimacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: SYNCHRONY FINANCIAL
State: MS
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:
XX/XX/2023 paid note to care credit and still showed late. XX/XX/2023 paid XXXX XXXX still showed late

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 2023-03-26
Company: EQUIFAX, 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 reference number 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-05-17
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Denied Dispute of Fraudulent Charges The morning of XX/XX/2023 I woke up to multiple charges on my cashapp account in small increments until my account balance was at {$0.00}. All the transactions had happened simultaneously in a matter of minutes. I instantly cancelled my debit cash card, ordered a replacement and contacted Cashapp Support as to the fraudulent transactions. I was told there was not anything they could do while the charges pending and they would likely go away. Once they were no longer pending and permanently charged to my account I called Cashapp Support and had to file a dispute for every charge I absolutely did not authorize. 5 of the disputed transactions came back and were returned to my account as fraudulent, a tiny fraction of the amount I had disputed. All the rest of the fraudulent transactions were denied and was told I could file another dispute on the fraudulent transactions that were denied. I repeatedly was told to do this several times and each time the outcome was denied. Finally, I was referred to the claims department and they would email documentation as to what factors determine why my disputed transactions were denied. The only documentation I received was a list of the fraudulent transactions which were denied, very similar to a statement which I can plainly see when I open Cashapp on my XXXX. When I called Cashapp Support once again to inform them the so called documentation I was sent told me nothing as to why my disputed transactions were denied and did not make sense why their claims department would refund a tiny fraction of the disputed transactions as fraudulent and the rest of the exact same transactions I disputed from the exact same merchant ( s ) operating under the same name as the popular yet controversial social media platform XXXX  were denied. I had no way of obtaining the merchant ( s ) contact information and Cashapp Support refused to give it to me. This process has taken up so much of my time and effort causing a ton of stress, XXXX, mental anguish and distress to where at this point I feel like this issue has become more about the lack of legal and fiduciary obligations to resolve this issue has effected my well being than it is the funds that were fraudulently take from my account. I seriously hope there is something we can do about this issue and prevent this kind of thing happening to anyone else in the future. I do have all the documentation I.ve been sent and any correspondence I have had with Cashapp Support regarding this issue as well. I look forward to hearing back from someone real soon and please reach out if you have any questions or concerns regarding my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My rights have been violated! On XX/XX/21 I applied for an American Express Gold Card and was subsequently denied. None of their reasons for my denial supersede Federal Law, as I was exercising my right according to 12 CFR 1002.1 ( b ) and 15 USC 1691 ( a ) ( 3 ). They took my application which became a negotiable instrument, due to the authentication feature of my social security number, and never returned it. My belief is that they have sold and transferred my negotiable instrument without my authorization. This is unfair and inequitable to me as the natural person and consumer.

Company response to consumer: Closed with explanation