BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
Company: Blackhawk Network Holdings Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I bought a {$100.00} XXXX XXXX gift card at a XXXX on XX/XX/21. When I opened it, card numbers and pin were covered tampered with superglue. I was not able to use the card at XXXX XXXX. 
I went back to the store I bought the card and was told that they are third party they cant do anything at the store level and asked me to contact XXXX at XXXX for help. 
I then did and opened a case. After 3 weeks of waiting for the updated status of the case, a rep told me the card was redeemed but was not able to tell me where and when it was redeemed. She then told me to contact XXXX  for help. 
I went to a XXXX  store and a lady at customer service desk made couple phone calls and about 20 ' on the phone of investigating the issue, she finally got the card number and pin and the card was indeed redeemed by someone in TEXAS right after I bought the card and was activated at the XXXX. 
She said that they got card numbers and pin, put superglue on so buyers can't see it, they wait until cards are activated so they can redeem them. 
She also said there are multiple people who have come to her store with gift cards that tampered with superglue like I have. 
A XXXX rep also told me to contact the gift card provider/maker to solve the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: BARCLAYS BANK DELAWARE
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$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 explanation
Consumer complaint received 2021-08-10
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
The collection on my account, which is for an incorrect amount ( I recently submitted a document directly to XXXX website showing the actual amount ), has been disputed every cycle for months now. In fact, the existence of the debt is subject to a legal dispute. To top it all off, the debt collection agency is not adhering to the Fair Credit Reporting Act on multiple points. Experian seemed to acknowledge all of this and removed the item after a series of disputes but it seems the item was duplicated. Since the original debt was incorrect, this duplication is also incorrect.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  Formerly XXXX Account # 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 also states a consumer agency can not furnish an 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 explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: NY
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:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX is attempting to collect a total balance of {$300.00}, as of XX/XX/XXXX from my XXXX credit card account. I had previously reported my XXXX card lost/stolen to XXXXXXXX XXXX and requested the card be closed. XXXXXXXX XXXX failed to close the account and the card was used fraudulently. I contacted XXXX again and disputed the charges. XXXX closed the account at that time, but left the charges owing. The account was then purchased by XXXX XXXX XXXX XXXX. I called XXXXXXXX XXXX  to get this resolved, but they were not able to do anything. I advised XXXX XXXX XXXX XXXX and filed two disputes forms with them to get this resolved. Unfortunately, they have failed to resolve this matter. I do not know the exact date the XXXX card was lost/stolen or the date I first reported it to XXXXXXXX XXXX. The last time I made a purchase on the card was in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-18
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I filed an online dispute with Equifax after reviewing my credit report, for unauthorized inquiries and an incorrect balance. I previously disputed the inquiries as incorrect, approximately 4-6 months ago, when I noticed there were " hard pulls '' from companies I do not conduct business with. I wrote a letter disputing the inaccuracies, and at that time asked to opt-out of pre-screened marketing. Equifax did take me off of the pre-screened marketing, but they put a fraud alert on my account, which prevented me from accessing my credit report or applying for credit. The inquiries were never taken off, and I was told by an Equifax representative to file a police report, before they could further assist with the inquires. Furthermore, my account balance is incorrectly being reported by XXXX. I filed a dispute with a representative, and was told to send in supporting documentation to assist in the dispute process. The initial case was re-investigated by another Equifax representative, because when XXXX updated the balance, it was still incorrect. As of yesterday, yet another Equifax representative said she was going to cancel my re-investigation ( without my consent ) because it was already updated by XXXX. I advised her that the information was to be re-investigated. She said it was Equifax 's policy to not have more than one open dispute for the same dispute, meaning they are not allowing me to file a re-investigation. Lastly, I accessed my consumer report today with Equifax and I noticed there is a " Consumer Statement '' on my report that was not provided by me. The consumer statement was placed by an Equifax representative and reads ( copied from my credit report ) : XX/XX/XXXX CONSUMER SENT IN DOCS TO VERIFY THAT SSHE DOES CURRENTLY HAVE A XXXX BALANCE WITH XXXX FOR THE ACCOUNT THOSE DOCS WERE SENT IN ON XX/XX/XXXX THE CONFIRMATION FOR THOSE DOCUMENTS XXXX XXXX XX/XX/XXXX. It is my understanding that the consumer statement is a statement from me and not from Equifax. I never requested a consumer statement, and their comment shows that Equifax had proof as of XX/XX/XXXX that my balance was truly at a XXXX balance, yet they did not update the balance, they simply closed the re-investigation. Numerous occasions I have called and received conflicting information from Equifax representatives, and supervisors. When calling in to their customer service number, when I am transferred to their " foreign '' or outsourced phone queue, I have been given such incorrect information, that now I ask to be transferred to a representative in the United States. Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I want to XXXX XXXX XXXX to fix my XXXX, XXXX XXXX XXXX the inform me that they have Promotion to fix my XXXX on credit {$4900.00} interest for 4 years i have to pay fix payment for {$200.00} every moth, I agree And sign the agreementCan I start paying them {$200.00} every month until my parents come down to {$1200.00} before the pandemic came And I stop working and everything is shut down I called the bank regarding the payment and ask the bank To postponed the payment because the COVID-19 the agree to postpone the payment after 2 month I was late on my payment they add interest on my Balance was {$1200.00} to {$3600.00}, iI called again i talk to the bank Agent regarding the interest the agent he informed me he will helping me to pay my old balance {$1200.00} with out interest and he will lower my payment from {$200.00} to {$59.00} for 2 years with out been late on my payment, I agree, because I don't want to be late on the payment i Gave the agent my checking account info to draw payment from my account and they start taking the payment from my account every month after one year I called the bank Again to make sure I am right track call my balance how do you spoke with another agent she informed me yeah I have one more year to finish my balance and I ask her about my balance she told me don't worry about the balance but when you finish your XXXX years you will be finish your balance I told her OK after XXXX months I called again to make sure I am OK on right Track They told me no I have to pay the interest on the balance because I didn't pay one time I know I spoke with the manager I told her I have agreement with you for two years to To pay my balance and close my account and she told me she got a check the phone Conversation and get back with me after one month after 3 weeks I got letters from the bank saying I have to pay the interest on my balance and I have 60 month payment plan, when agree for 2 years to pay the bank and close my account with bank. Please i am no working yet I need your help this bank Rip me offI already paid them what i borrowed from them now they add more then my balance just interest, please help 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 2019-08-08
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
The cost of my online order was changed after I placed it. My order confirmation reflects the charge I authorized, {$70.00}, and by the time the item has shipped the adjusted cost of the order has been buried in the bottom of an email, now {$73.00}. An incremental charge of {$2.00} is listed on my statement that, and the new order details online reflect the adjusted {$73.00}. I called to dispute the charge, had to navigate four customer service reps over almost 40 minutes to have it removed. The person who finally agreed that it would be removed wouldn't let me finish a sentence, informed me that my dispute of {$2.00} is ridiculous ( which is not up to him ), that they regularly adjust prices after the transaction to account for where the product is located when it's ordered ( which it seems to me they should already know when I submit my order ). It's sneaky at best to mislead online customers as an expected business practice. There are no disclaimers about adjustments on my receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im writing because I noticed that a collection for XXXX XXXX XXXX XXXX for the amount of {$770.00} appeared on my most recent credit reports as being seriously past due. This is an erroneous account. 

The date of service for this account was XX/XX/2019 and was listed in my daughter 's name. On this date, my daughters and I were in a car accident in which we all received service at XXXX XXXX in XXXX, LA. On this date both of my daughters were adults and should have been billed for their own services. 

XXXX XXXX sent my daughter 's bill in her name and XXXX XXXX XXXX XXXX sent the doctors portion of the bill in my name. I notified them several times that this was incorrect. They refused to resubmit the bill in my daughters name and file the debt with the insurance company. Therefore, two errors were made. The bill was erroneously placed in my name and the bill was never filed with insurance. They stated that they did not have the insurance information which is untrue because it was presented in the emergency room. Furthermore, they filed the insurance for my bill on the same date as you will see in the attachment. The payment for this date of service was already fulfilled for services provided to me from XXXX XXXX XXXX, XXXX. I am not obligated to pay them twice since this is not my bill. 

Because of these errors, I am falsely accused of owing them {$770.00}. Although XXXX XXXX XXXX XXXX placed this bill in my name, I am not the guarantor of this bill and is not responsible for this bill. I did not sign anything in the hospital assuming responsibility of this bill. This is a billing error and should be removed from my credit report which I disputed. I have not been able to resolve this issue and am now seeking your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: OneMain Finance Corporation
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:
( ONEMAIN ) at ( XXXX XXXX XXXX XXXX XXXX, IN XXXXXXXX  ) has been sending me collection notices in the amount of ( {$0.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Consumer Adjustment Company Incorporated
State: OH
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:
Account XXXX Disputed Debt- Not my debt -fraudulant Charge I am officially notifying the Consumer Adjustment Company Account : XXXX that the balance of {$780.00} supposedly owed to a person or thing is a fradulant charge. 
Identity theft reported to police on XXXXXXXXreport filed. 
This was reportly arranged via phone for some kind or payday loan for an amount of {$600.00} sometime in XXXX with a date opened with your collection account process of XX/XX/XXXX. This has showed up on my XXXX  credit report as overdue in XX/XX/XXXX. 
This fradulant loan supposedly involved an account at XXXX XXXX XXXX. 
If you check you will discover that I have never had an account with this bank. 
I never arranged a loan by phone. 

I discussed this dispute with XXXX XXXX on XX/XX/XXXX and obtained All of these fradulant details from her. 
I would ask that you perform an investigation to determine the details of this fradulant act so that I can report to the Federal Trade Commission so as to identify and potentially prosecute the individuals involved. 
I would also ask that you correct my credit report at XXXX and remove this so-called debt from my account with your company. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Debt Recovery Solutions is trying to collect a debt from me on behalf of XXXX XXXX. This debt is over 10 years old and they have been threatening to sue and garnish my wages for several years. They sold this debt to a different collection agency before and it was wiped off of my credit because of identity theft. They dont have the original agreement and they havent validated this debt. I would like to sue both companies because I am trying to get a new car and this collection account put my score in the 400s. This is unlawful and defamation of character. According to the FCC, this debt is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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:
This is a Best Buy Citibank credit card. I am a XXXX  and went out on a XXXX  XXXX. My balance was {$3100.00}. I knew I was going to have difficulty paying this so I did a balance transfer with XXXX with 24 months to pay XXXX back. 

XXXX issued the funds on XX/XX/2021. My balance with Citibank should have been XXXX. At the end of XXXX I had a financial hardship with car so I charged {$2900.00} to my Citibank card. 

XXXX XXXX I received a bill from Citibank for {$6000.00}. Since then it has been a nightmare. Month after month I have called and produced evidence to support the payment from XXXX. XXXX provided me with the transfer number and a letter that Citibank refused to acknowledge and kept saying that they never received my payment. 

I did get the XXXX XXXX XXXX involved and now they have found the payment but are still refusing to credit my account. My balance should be {$2900.00}, but with all the interest and late fees it is over {$7000.00}. 

I need help, please intervene on my behalf. I struggled for one year caring for Covid XXXX  and now I have to deal with people who refuse to look at the evidence.

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 2023-09-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I used to have a Bank of America credit card. I missed payments on it consecutively for 4 months. I have n't got a notification from a bank or anything during this period. The amount I owed to the bank was less than {$20.00} bucks. It was a $ XXXX limit card. I thought I cleared it all and did not bother to check it or open my account. I have a saving account with the bank and checking account too ( combined account with my husband ). So whenever I check I opened using my husband 's online account. My credit card does not show up in his account. My credit score used to be around {XXXX}. With this Incident it dropped back to {XXXX}. For the sake of {$20.00} bucks. I tried taking to the bank with no use and my credit score is still affected after I paid the {$20.00} back to the bank.

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