BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a bank account with US Bank for many years. I closed this account early 2019 with a XXXX balance after a dispute with US Bank and a fraudulent purchase on my account with XXXX XXXX ( I filed the dispute with them and had it removed ). I only had my checking account with US Bank with a debit card. Now, years later they are telling me that I had a credit card with them ( NEVER HAD ONE ) and have a collection account with them over {$2500.00}. I have called them repetitively and explained to them that I never had a credit card and closed my account with a XXXX balance ( the bank account with the debit card ). I have spent XXXX 's of hours on the phone telling them my old bank account number and now it's mysteriously disappeared from their records. I know US Bank has had major lawsuits from illegally opening certain accounts in peoples names that had other accounts with them. They refuse to send me the documentation showing that I opened a credit card ( only stating I made purchases and owe over {$2500.00} ) I told them any purchases were made from a debit card with the associated checking account I had and I closed my account with a XXXX balance. They refuse to help me and are submitting fraudulent information to the credit reporting agencies stating I owe a lot in collections from credit cards. For documentation my bank account with them was XXXX. Recovery department refuses to give me copies of my bank statements. I am going into a US BANK branch today to demand copies of my statements which I can then upload for review.

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 2023-08-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
care credit through synchronicity was offered to me for XXXX XXXX XXXXXXXX in XXXX XXXX and offered a 12 month 0 interest option ... there needs to be regulation for heath care related loans where the interest rate doesn't balloon to 29 % if the balance isn't paid by the interest free period ... if they're going to get away with this perhaps a 4 % flat interest rate unless the balance divided by XXXX isn't satisfied each month? it seems extremely preditory and would take something like 4 years at their minimum payments to close out.

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 2021-12-17
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient student loans servicer charged me interest during covid19 year XXXX... they told me some of my loans are not federal... all my student loans are federal they are listed under student loan website... also when all these loans were transferred to XXXX they did not charge me intrest on my loans since they are federal... I consider this a fraud they stole money from me and lied about my loans... none of my loans are private or owned by private parties. Please open investigation against Navient. If need more info please let me know Thank you Here a breakdown of all the loans from the FSA wepage These are federal loans not private Direct Consolidation Unsubsidized Total Balance {$65000.00} Direct Consolidation Subsidized Total Balance {$63000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Radius Global Solutions, LLC located in XXXX, MN contacted me by mail in XX/XX/XXXX to collect a debt owed by my spouse for XXXX XXXX  completed for him by XXXX in XX/XX/XXXX in the amount of {$230.00}. 

Radius LLC stated they would send a negative report to the credit bureau ( s ) for me, if the above amount was not paid within 30 days of their dated correspondence XXXX XXXX XXXX ). 

I sent Radius LLC a certified letter on approximately XX/XX/XXXX, informing them that this was not my debt, and that I had not signed in approval of any services rendered in connection with this debt, or any other related debt for my spouse. Further, I notified Radius LLC that, unless they could provide me documentation that this is my personal debt and I am legally liable, they should not contact me for attempted debt collection, nor report derogatory information about me to the credit bureaus. In the meantime, I also notified Radius LLC I would report this issue to the Texas Attorney General, which I did ; my complaint was confirmed as received, as of XX/XX/XXXX. 

In sum, I have received a billing statement originating from XXXX, which identifies my spouse, as the patient, for whom his doctor requested testing. I have never met or spoken to his doctor. This billing statement in my spouse 's name does not confirm my financial responsibility for services provided. It only supports the fact that my spouse is the sole party who signed and authorized services at that doctor 's visit. My spouse is, therefore, financially responsible. Radius LLC should be contacting him, alone. 

These debt collection practices are beyond unfair. They do not seem legal.

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 2023-10-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 XXXXnt Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. StateXXXX 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 non-monetary relief
Consumer complaint received 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America Small Business account was closed without any notice or warning after 14 years, the same day an incoming wire transfer was scheduled. After almost two hours and 6 different customer service agents I was finally told it was for inactivity and they were unable to reopen. The bank continued to withdraw the $ XXXX  monthly service fee during this period of inactivity and I was given no warning that I needed further activity to maintain account.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for a FHA re- finance loan. XXXX XXXX was aware that I had been trying to get Transunion and XXXX to remove the inaccurate information from my Credit report. Every dispute came back as accurate from them. XXXX/XXXX/XXXX We placed a call 3rd party to XXXX XXXX, and it was stated that the loans XXXX were transferred to XXXX XXXX XX/XX/XXXX. ( the credit report shows XX/XX/XXXX ) and was giving. There number XXXX. A call was placed to verify if Iwas on the loans. XXXX states my name was just a reference on the loans.. 

XXXX XXXX has been reporting negative information for years and costing me money in higher interest rates,. 
I have continually asked Transunion and XXXX to remove them and they would not as the tradelines information reported are not vaild

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 2020-02-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/LOANS ON MY CREDIT PROFILE. BELOW ARE THE LIST OF THE FRAUDULENT ACCOUNTS : Fraudulent Accounts : XXXX XXXX  XXXX : Account Number : XXXX -- ->Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX -- -- >Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX  : Account Number : XXXX -- >Date Opened : XX/XX/XXXX XXXX XXXX  XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX  : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX  : Date Opened : XX/XX/XXXX U.S. DEPT OF ED -  XXXX  : Date Opened : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Inquiries : XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX  : XX/XX/XXXX Fraudulent Collections : XXXX XXXX -- -- Opened XX/XX/XXXX XXXX XXXX XXXX -- -Opened XX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL 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 2023-10-18
Company: EQUIFAX, INC.
State: CO
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A XXXX collection from XXXX XXXX XXXX XXXX opened on XX/XX/2021 was on my credit. That is not my home. Please remove from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: Early Warning Services, LLC
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In early 2019, I submitted an application for a checking with XXXX XXXX account via my phone. Between having a poor Wi-Fi connection, and accidentally pressing the back button a few times, my application was submitted multiple times and my account was flagged. This was a good faith mistake but has prevented me from opening other accounts without difficult in-branch identity verification. Multiple requests have been sent to both the reporting agency, Early Warning Services, and to the bank. They have given me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: ENCORE CAPITAL GROUP INC.
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:
XX/XX/XXXX - I wrote XXXX  and asked them to validate the debt of {$620.00}. 
I disputed the debt through all three credit bureaus and requested that all details of the debt be verified as accurate, XXXX verified the details of the debt as accurate. 

On or about XX/XX/XXXX, I made a {$300.00} payment to XXXX  to pay down the debt. I requested a settlement amount and they stated I agreed to a schedule, which I never did. 

I reviewed my credit reports and the account is reporting inaccurately. XXXX is stating the original amount is {$320.00} and there is no record of any payments being made. 

XXXX has a responsibility to report the account accurately, per the correspondence they sent me, therefore, I am requesting the account to be deleted per 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
I have tried to open an checking account at the XXXX XXXX  seeing that I can open an savings account with them. They refuse due to the inquires on my XXXX XXXX file. I have been fighting XXXX XXXX to get my report and score to due disputes and see whats there and it took 6 months to finally get to sign in and now i cant see nothing on my report and notable to use the tools on their website. also finally recieved my report from XXXX XXXX  and no report is found from any banks nor credit unions. On the other hand I have a ton of inquiries from trying to open an check account. Not being able to obtain one for the score they are reporting due to the inquiries is the problem, I have disputed the inquiries but they state they dont report a score and the inquiries should not be a problem. I tried contacting XXXX and they state they cant supply an answer for why they wont open the checking account and to contact XXXX XXXX. it is a burden to me and not getting no resultion.

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 2023-06-09
Company: Experian Information Solutions 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: 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. 

XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Acct num XXXX XX/XX/XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$69.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XX/XX/XXXX XXXX XXXX {$13000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XXXX XX/XX/XXXX XXXX XXXX {$7900.00} XXXX XX/XX/XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XX/XX/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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute item does not belong to me. Im attaching the required FTC Report for you. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

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 2022-04-04
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On or about XX/XX/2021, on a routine visit to a local animal hospital for my XXXX XXXX XXXX cat XXXX to be seen for the first time since moving to XXXX XXXX  from XXXX XXXX, the vet mis-prescribed her, as the vet ( in his own words ) stated " he didn't have the time to read her past medical history as he was too busy '' killed my cat by prescribing her the wrong medication. I was charged {$750.00} by the vet, ( XXXX XXXX XXXX in XXXX, NY ) on XX/XX/2021 on my Goldman Sachs Apple Card and was charged a duplicate amount of {$820.00} on XX/XX/2021 by the same animal hospital when I got my cat XXXX back in ashes as she had to be cremated. Nothing short of DISTURBING as this animal hospital is now being investigated for animal cruelty by the State of New York for what they did to my cat. 
Having said the above, I immediately contacted Goldman Sachs Apple Card the very day my cat XXXX passed away in the hands of a so called " doctor '' who committed medical malpractice. Goldman Sachs Apple Card representatives were mortified of what had transpired and immediately helped me dispute my 2 changes stated above. Within a few weeks the one {$820.00} provisional credit was made permanent on my account. Then, for some reason, the charge of {$750.00} did not become a credit back onto my account. As I type you today, I've spoke to the Goldman Sachs Apple Card representatives over the phone on numerous occasions on the reason why my refund of {$750.00} has not been made final and they don't have an answer for me. Same merchant, same charges, but one gets fully approved in my favor and the other is still a mystery in the making? I keep being told that the original Goldman Sachs Apple Card representative who disputed both of the charges for me on the day my cat XXXX was killed by the vet had " miscoded '' the {$750.00} charge thus the reason one refund got approved and the other one is still pending FIVE MONTHS AFTER THE FACT? 
I want my {$750.00} refunded NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support, I am writing to you today to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake, as I have not violated any of PayPal 's policies. 

I have been a loyal customer of PayPal for several years now, and I have always followed the company 's guidelines to the best of my ability. I have never engaged in any suspicious or fraudulent activity, nor have I received any complaints from other PayPal users. 

Therefore, I would like to respectfully request that PayPal re-investigate my case and restore my account if possible. I am confident that upon further review, you will find that there has been a misunderstanding or error in your decision to limit my account. 

My PayPal account is linked to the email address XXXX, and I am available to provide any further information or clarification that may be needed to assist with this process. 

Thank you for your attention to this matter, and I look forward to a prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation