BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: AMERICAN EXPRESS COMPANY
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: Overcharged for something you did purchase with the card

Complaint:
I have a American Express Platinum Card which has a benefit of {$200.00} annual credit if you book through their travel program. I got {$100.00} credit in XXXX. I did the second eligible booking in XXXX to recieve the remaining credit, which is {$98.00}. I saw two transaction on the statement that initate by American Express. One was a {$170.00} dedit on XX/XX/XXXX, the other was a {$200.00} credit on XX/XX/XXXX. The result only net me {$26.00} instead of {$98.00}. I opened a dispute and tried multiple times to explains the situation and let them know that I did not make any purchase of the amount {$170.00}. 
They keep denying on mu dispute and everytime with different reasons. To me, it is a simple technical error. All they need to do is to filter all the transation of mine with their travel program in 2022. 
I filed this complaint because it is not just the loss due to their error, but also lack of the attitude for a long-time customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-16
Company: BANK OZK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a Bank Ozk checking account. Per my understanding, Overdraft Protection is an opt in feature. During account opening, I said no to Overdraft Protection. Yet, the bank opted me in Bounce Proof and informed me by letter mail. Bounce Proof seems to be Overdraft Protection but with a different name. I visited the bank and asked a personal banker to remove the Bounce Proof feature. He suggested I keep the feature, and after a few mins, I insisted on removing the feature from my account. I believe I should not need to opt out of a feature by either calling customer service or visit a branch just because Bank Ozk signed me up for it automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Genesis FS Card Services, Inc.
State: CA
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:
Genesis Financial Card Services website for Indigo is not registering payments in a reasonable amount of time and charging late fees even when payments are made early. My complaint is that the Indigo Card website serviced by Genesis Card Financial Services does not register customer payments in a reasonable amount of time. The customers credit card payment does NOT reflect in payment history or transactions after the payment is made. It does not show within XXXX hours either. As of today ( XX/XX/22 ) - my Indigo Card payment that I made on the website XXXX days ago for the entire balance ( {$290.00} ) is still not showing as made ANYWHERE on the Indigo website. I made a payment at XXXX on Thursday XX/XX/22 ( paid entire Indigo balance in full {$290.00} ) and as of today - XX/XX/22 - the indigo website shows NO PAYMENT made- even though I received a payment email confirmation from Indigo on XX/XX/22. The website shows today ( XX/XX/22 ) my payment is late! I received an email today from Indigo also saying the payment is late and not received. ( Conflicting with the previous payment confirmation email I received on XX/XX/22 from Indigo ) The minimum payment for my Indigo card was due XXXX I made the full balance payment ( {$290.00} ) on XX/XX/22 at XXXX ( Thursday - a business day ) and I received a late fee today XX/XX/22 and my statement closed showing no payment was made. I made the payment XXXX day before the due date ( on a Thursday ) and it does not show on the payment history today ( Saturday- XXXX days later ) - and now shows late on the website as of XX/XX/22. I do have the email from Indigo on XX/XX/22 showing they did receive my payment {$290.00} at XXXX. I also have an email from Indigo today XX/XX/22 from saying they did not receive a payment and its late. This is a HUGE issue! And they charged me a late payment charge! I complained previously to CFPB and Genesis Financial Card Services responded that this did not happen.. its happening again!! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRUIST FINANCIAL CORPORATION
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I was in an accident and was rewarded money from it. I called truist to let them know that I wanted a wire transfer to a car dealership. They said that I could. But instead of them wire transfer into the the car dealership, Truist sent them a check DURING THE MIDDLE OF A HOLIDAY! 
I was in need of a car since I did not have one, so I called them to get things straightened out. I was then told that I could not wire transfer unless I was in a physical location. I couldnt because I was in a different state. Well, I decided to wait for the dealership to receive the check. They havent yet received the check! Now Truist wants me to PAY THEM ( TRUIST ) for canceling the check. Im not paying out of pocket for something I did not do. I was once again told that I could wire transfer and after a few days I called back to do a wire transfer and said ONCE AGAIN that I could not do one. The check was sent out on the XXXX of XXXX and was to arrive XXXX. Its now the XXXX and I have no car and no way to work.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have been disputing with XXXX, XXXX, TransUnion and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, XXXX, TransUnion and the other creditors ( Financial Institutions ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, XXXX, TRANSUNION AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).

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 2022-11-12
Company: National Credit Adjusters, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NATIONAL CREDIT ADJUSTERS has stolen my identity ( non consent is a form of identity theft ) and has continued to defame my character, causing mental and physical anguish including but not limited to, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, adverse action from lenders including the credit unions that I bank with. I have no contract nor have I ever signed a contract with NATIONAL CREDIT ADJUSTERS for ANY alleged debt, and sending me a copy of an alleged credit card statement from an alleged creditor does not constitute as an alleged original contract between me and the alleged creditors. NATIONAL CREDIT ADJUSTERS sent a copy of a credit card statement from XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX with a closing date of XX/XX/20 which shows a XXXX BALANCE which further proves that therefore I OWE NOTHING. NATIONAL CREDIT ADJUSTERS has violated the FDCPA rules as follows ( SEE ATTACHED EXHIBITS ) : 15 USC 1692b ( 2 ) ; 15 USC 1692j ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: FIRST REPUBLIC BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/18 I recently tried to open a bank account at First Republic on XXXX XXXX and XXXX XXXX. The bank was suggested to me by a number of clients. I decided to inform myself about their services. The banker, XXXX XXXX, informed me about all the options. Since I travel frequently and have family aboard and conduct business in XXXX and XXXX XXXX. I was to by the banker that this was not a problem that the fees for wires would in fact be much lower than with other banks. XXXX XXXX emphasized how easy it is to work with FR internationally. I decided to open an account. I went home to get the required documents my passport, social security card as well as a check for {$40000.00} for the initial deposit only to be told on my returned to the bank that FR was not the right bank for me and that international transfers could not be made. I pointed out to that this was the exact opposite of what I was told before. After showing him a brochure he had given me 15 min. before about the options for international transfers the banker told me that there was another reason, nothing to do with my finances or my need to do international transfers. He referred me to the manager of the branch. I spoke to her about my conversation with XXXX XXXX. She said he did not know the details since he had not been working at the bank for long. I ask her why he said that there was another reason and was told : " We are not a good fit for you. '' I asked her to be more specific and she said : " I have nothing more to add. '' Since I do not recall any negative banking history I was perplexed. I can not help but understand the refusal to open an account as an act of personal discrimination against me. I would like to report this form of prejudicial and inequitable experience I have made with First Republic and their branch on XXXX XXXX. and be told why I was in fact denied to open an account and if the reason I was denied is in fact legal. 

Sincerely, 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 2019-09-27
Company: EQUIFAX, 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:
XXXX, Equifax and XXXX are reporting 3 hard  inquiries in my credit reports all originating from the same mortgage loan. This is having a negative affect on my credit ratings, and could affect my interest rate. 

We applied for a home construction loan with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As with all construction projects, the loan process occurs over a period of several weeks while a construction contract is negotiated, plans developed, and pricing finalized. XXXX pulled our report twice, at initiation and with the final builder contract 8 weeks later. The other two banks pulled once. 

It was obvious that we were shopping for the best mortgage proposal for our new home and should not be penalized for doing our due diligence. This should be treated as one hard inquiry ... period. 

My experience is without getting an attorney involved, these companies do not take the time to adequately investigate issues within their reports. 

Thank you for your assistance in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-08-27
Company: GOLDMAN SACHS BANK USA
State: CA
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:
Goldman Sachs has provided me with a 1099-C evidencing the {$2700.00} that was cancelled ( attached ). Yet the debt is still reflected on my credit report and file. Since the last report on the XX/XX/XXXX, Goldman Sachs. They will have 3 business days to perform and communicate with all credit reporting companies and bureaus. 

Please be advised, by filing these 1099s, 1098, etc will be placing me ( a private party ) in a position of a public officer, therefore, in clear violation of 18. USC 912. Just know that I did not consent to this and it is legally impossible, furthermore you can not pursue any legal action in any state court because as a foreign entity, you have no jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX Balance : {$25000.00} & XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is in reference to an old Chase account that was closed in XX/XX/XXXX due to fraudulent activity on the account. Till date, I have not received refund of my account balance after account closure. The balance was closed to around {$6000.00} and some transactions were under dispute. 

I've exhausted all avenues to get this resolved. till date I have not heard anyting from Chase regarding the resolution of my account dispute. The balance on my account close to {$6000.00} just vanished and account closed. 

Account # XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Attachment : letter to chase

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-12-27
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alert from my bank on XX/XX/XXXX about a collection hitting my credit report. I immediately went to annualcreditreport.com to see what account was in collections. In turns out that there was an account in collection under my named that was unpaid. I contacted the creditor listed on my credit report to get more informaiton. 


CONVERGENT OUTSOURCING {$1200.00} Date opened : XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX The account was opened in Texas. I have never lived in Texas. I have been a resident of XXXX XXXX  for 31 years and I just moved to XXXX. During the time the account was opened fradualently in my name, I was living in XXXX  and buying a home in XXXX I explained all this to the creditor and they are mailing me a fraud package to dispute the account. I still have not recieved the package. 

I have filed a dispute with the 3 credit agencies and so far have had 1 of 3 removed from my file. I am looking to file a police report this week as well. So far I have put a freeze on my credit. 

Attached are documents supporting my residency during the time frames in question.

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 2023-12-18
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had an account with Webster Bank subsidiary, XXXX XXXX XXXX Account closing fee was not disclosed prior to opening account. XXXX XXXX Charged me {$25.00} to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Us auto sales went out of business and sent my auto loan to another agency which added more money onto the loan which I did not agree upon with the new agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX reference number XXXX I don't owe this company any money my 2 year contract was done with them and then I switched to prepaid service I never signed or agreed to anything with them after the 2 years was done I've called them many times and even went into the store when I did my prepaid plan I will not pay I dime on this nor next time I get anything from the company I will be suing for harassment goodbye

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: ERC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive been contacted by ERC telephonically but they will not identify the supposed debt without me providing them with information. To my knowledge I have no outstanding accounts. I was contacted by them some months ago but they had my phone number and address and a different name. I advised them of this and now the calls are starting again but I havent received any written communication so that I can assess the validity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: EQUIFAX, 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:
I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: NCB Management Services Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is trying to collect debt that is not mine. I have never had any business with this company or any services. They have refused to provide a service contract to validate the claim of me owing them and it has been two years and they still have yet to provide any documentation. I reached out to credit bureaus for assistance with disputing this and they have not removed the information no matter how many times I have disputed the information. As an identity theft victim it has been so hard to get the corporation of the credit bureaus and organizations to help me recover my information and clean up these inaccuracies.

Company response to consumer: Closed with explanation