BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: TX
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 am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 
Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays.

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.

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 2022-11-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XXXX, I detected two unauthorized ATM transactions in my Amex Serve account.I contacted Amex and they start investigation.They never credited my account with the missing money.After 45 days Amex said that transactions was authorized.They never did any investigation. Amex don't have them own ATM .I brought that case to Attorney General Office for Dispute Resolution.After 6 months AG office said that can't help me, because Amex never answer to them request.I brought that case to XXXX XXXX XXXX XXXX I have Judge Decision and Notice of Order ( XXXX ) ENTERED on XX/XX/XXXX for the amount of XXXX $ in FAVOR of XXXX XXXX sent to Amex Copy of Judgment and Notice of Entry. After fife weeks silence from Amex, on XXXX, I brought my case to XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX - Fax : ( XXXX ) XXXX. 
Already 3 months since, I STILL DON'T HAVE MY MONEY. 

Sincerely, XXXX XXXX ; DOB- XX/XX/XXXX ; SSN # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Amex Serve ; Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: OPTUM BANK, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I used the Optum XXXX method to transfer {$560.00} to the provider account associated with an Optum bill. The provider, however, never received this payment, and I paid them afterwards using additional funds from my HSA.

Optum has not credited or returned to my account the {$560.00} that I sent in error. I have tried to resolve this issue with them over the past year, starting in XX/XX/XXXX, when the provider notified me of non-payment and I first learned of the error. Optum sent me an email with the information related to the errored payment, and I asked them to credit my account with the balance, but they have failed to provide me with confirmation that it has been returned. Additionally, the balance has not been returned to my account. 

I am frustrated with the service I have received and would just like to have the balance credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: GOLDMAN SACHS BANK USA
State: FL
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 applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by apple  card to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore Apple/ Goldman Sachs is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: FL
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 15 USC 1681. 

Account name : #, XXXX XXXX XXXX XXXX XXXX  XXXX {$1800.00} Account name : #, XXXX XXXX  {$1500.00} Account name : #, XXXX  XXXX {$590.00} Account name : #, XXXX XXXX {$4100.00} Account name : # XXXX  XXXX XXXX, {$6200.00} 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 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 2023-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Been trying to open a bank account and been told I Have an open dispute 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 2022-11-02
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Citibank issued a credit card to me after I applied for one. This card was allegedly sent to my mailing address on file. I never received the card. I checked my mailbox on the day it said it was delivered. The card was either taken out of my mailbox or was delivered to the wrong address. I have no proof that it was actually delivered. Someone else activated the card and started using the card on XXXX XXXX, the day it said that the card was " Out for Delivery ''. The card was charged almost 8 times at different stores within the 24 hours it had been activated. 

I'm very confused as to how the card was activated if they didn't have my social. It is my understanding that the last 4 digits of your social were needed in order to activate the card. I am very disappointed that Citibank has such loose security standards and that a complete stranger was able to activate my card. 

I have attached a picture of the bank statement which consists of charges that were not authorized by me. I have also attached the email notifying me that the card was out for delivery.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On XX/XX/2022, I wrote to Transunion attempting to have them correct my Name on my Consumer Report as it was showing " XXXX '' as my middle name and I in fact do not have a Middle name. In my correspondence to Transunion, I provided proof of my name such as an FLORIDA DRIVER LICENSE and I porived a copy of my Electric bill. As of XX/XX/2022, my credit report continues to reflect inaccurate information such as my name as XXXX XXXX XXXX, when my name is XXXX XXXX XXXX. Transunion did receive my request which was sent by Certified mail 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 2023-03-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a box of my personal checks stolen by my USPS carrier and had to close my checking account. I went to Synchrony Bank website and updated my bank information. I should've known better! I changed banking information before when I switched to XXXX XXXX and the same thing happened. They don't actually change your banking info, so that it defaults and you get charged a late fee. Fool me once... anyway... this second time, I got charged a late fee even though I updated my information on the same day I got my new checking account. I saw that they debited my account for my regularly scheduled payment of XXXX plus the late fee of {$30.00}. I was XXXX. Trying to call this sham of a company is pointless. I was told that they were refunding me on XX/XX/23, in the amount of {$100.00} as they took more than my payment WITHOUT MY CONSENT. It's now XXXX weeks later and I have yet to get that refund. My account reflects the balance due of {$700.00} which is still the balance owed on the account after the {$100.00} was taken without my consent which tells me that they DID NOT ever refund my money and LIED to me. I have called twice today XX/XX/23, hung up on the first time and the second time, I was told that the late fee was waived and they they DO update bank information " if it is correct '' ( this call is recorded so you can verify this is what was said to me by the XXXX agent ''. Yes, they waived the late fee after I called and was incensed. I am now on the phone as I type this and I was informed that a check for {$30.00}, not {$100.00} was issued and they had me verify the address which is accurate. All I get is runaround from this company. I am currently waiting on another " supervisor '' but I doubt that I will see any resolution. I have closed my account due to their shady practices and would like to see some actual resolution that is satisfactory to me. I do have " informed delivery '' via USPS and I have not ever seen any mail to me from this company.

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 2019-12-18
Company: 4finance US Holding Company, Inc.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out an {$800.00} loan with Zaplo loans. On XX/XX/XXXX I received a better interest loan from my credit union. I  contacted Zaplo, XXXX XXXX and requested a statement, since that is what my credit union required to pay off the loan. They needed the amount, the account number, and address to send the payoff check to. She said we don't have statements, which is odd. Even payday loans have statements. So I requested my loan agreement from her. She sent me a lousy spreadsheet with the amounts I would owe for the rest of the loan and what the payoff amount would be on XXXX  ten days from that date. It had the loan number in it and their address. So it was workable, we thought. The checks for my car payoff, another loan and Zaplo we're all sent on XX/XX/XXXX. May car received the check and paid off my loan on XX/XX/XXXX, my other loan for XXXX received payment and paid off my loan on XX/XX/XXXX. I have tried to contact their collections department, XXXX and their customer service department via email many times ( 10 at least ). The WILL not respond. They have not paid off my loan. The only response I received was from one rep who said they had changed my account to non-ach but I need to continue to make my payments or I will be charged late fees and interest. I tried to contact her back but she wouldn't respond!! I am at my wit 's end!! They have the check but will not credit it to my account. I refuse to pay two loans. One to my credit union and one to them!! Help?! 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 non-monetary relief
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This agency is in violation of 15 USC 1692g. They were to notify me in writing 5days prior. I was not notified. As the original creditor only I can validate the debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. 

1. Account concerning XXXXXXXX XXXX XXXX and. 
2. Account concerning XXXX XXXX XXXX XXXX XXXX. 

The reporting of these accounts is/are violation of 15 USC 1681 And The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( b ).

Under Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as and card used to extend credit, like Social Security Card or Driver 's License Card. Any authorization or approval of a specific extension of my credit directly or indirectly by the issue of the card is unlimited and backed by the full Faith and Credit of the United States Government per House Joint Resolution 192 48, 48, 112 and public law 73-10. The Government claims any and ALL debt and promises to pay Principle and interest dollar for dollar. 

After requesting a authentic record of account, proof of claim and right to collect also proof of consent to use or share personal information. 

I also realize I have the right to remove negative information from my report and have stated already that they don't have my consent and my Fee schedule for damages and copyright infringement could be found on my 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 2022-12-15
Company: Experian Information Solutions Inc.
State: RI
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 had an XXXX dollar balance with XXXX they have had me showing a balance since XXXX when closed account. But never realized this and its XXXX dollars. 

I just paid this but would like the XXXX dollars removed from my history as delinquent as did not have or was not given notification had this balance. 

There is no reason should have had this on my credit report. Its absolutely erroneous and needs to be removed as negative impact. 


Credit usage XXXX  % Balance {$8.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card Payment summary 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 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 2019-12-18
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently started pay more attention to my credit file and discover that Santander Consumer Usa was inaccurately and incompletely reporting an account.From XX/XX/XXXX to XX/XX/XXXX they have no payment information whatsoever for this account.The vehicle was traded in at XXXX XXXX XXXX between XX/XX/XXXX and XXXX.The company continues to report more late payments to this account further damaging my ability to obtain credit. 
XXXX  report shows date of ! st delinquency XX/XX/XXXX, XXXX  has date of ! st delinquency as XX/XX/XXXX and XXXX  shows the account was closed in XXXX when it was paid off in XXXX.FCRA requires any accurate reporting account to be deleted.I have disputed this account with XXXX  twice and they continue to respond as updated and add more late payments decreasing my score drastically.The XXXX  account history is being reported inaccurately and has been incomplete since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Around XXXX my account became compromised and closed from the fraud. 
I accidentally fell for a scam that had me put {$2500.00} worth of invalid checks that would bounce. I was then asked to send the money to someone to help take care of their child 's caregiver. I felt like something was off and reported the fraud before the checks could bounce. 
I reached our to Bank of America to notify them of the fraud since their automatic system did not stop the deposit of 5 {$500.00} checks until after almost {$3000.00} was already scheduled to deposit. I deposited a valid {$1600.00} check from XXXX that they tried to tell me was a fake check. 
I've followed up for two months and Bank of America is insisting I pay for fraud I reported despite their coverage liability and inability to act. They have held my accounts in closure for two months and have not contacted me about the held funds. Despite contacting and asking for a time line or any future steps, I was told that I simply have to wait. And despite being a victim of fraud, they have yet given me any time when I may get the funds or when the accounts will close.

I've been unable to open new accounts but can't use any other banking institutions due to their report on XX/XX/XXXX. Overall, Bank of America has not held up to their fraud prevention and have left me stranded in trying to find a resolution.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As of the day this complaint is being submitted the account information being reported on my consumer report regarding XXXX XXXX  account # XXXX is being reported inaccurate/incompletely by Transunion on my consumer report, causing me a financial hardship.

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 2021-06-16
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Medical service revenue is in violation of 8 federally protected consumer rights under 15 usc 1692 and 4 unauthorized uses of registered trademark

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 2023-01-25
Company: FISERV INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My car was stolen on XX/XX/2022 and my wallet was in the car also. All of my credit and debit cards, store cards, XXXX personal check were in my wallet. I have already reported to police and frozen all stolen cards. 
However, I found there was a check value {$830.00} from XXXX charged on my XXXX checking account since XXXX ( or XXXX, I forgot the accurate date ). Then I tried to dispute with XXXX and XXXX, however I found they tried to charge me again on XX/XX/XXXX. I called XXXX again to dispute and the customer service advised me to close current checking account that XXXX keeps charging and open a new one, so I went local branch, closed and opened a new checking account. 
Recently, I received a call from XXXX about I owed them {$860.00}, so I disputed with them again and now they need some documentations from 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 non-monetary relief