BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: FISERV INC.
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a Economic Impact Payment Card in the mail the week of XX/XX/XXXX. I did not want to activate the card because the issuer wanted my SS number and banking information. It wasn't clear to me that it was connected to the government stimulus package. I could not find any details through the IRS.gov website. My tax preparer did send me additional information about the terms and conditions but could not vouch for its legitimacy. Under the terms and conditions it states I can opt for a check payment by contacting their customer service. When I used the number listed it goes straight to card activation and never to customer service. The card is enabled by Money Network and is issued XXXX and the only number listed is XXXX. I just want a check issued to me just like the previous stimulus check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: IN
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:
After several failed attempts to work with Experian on the update and remove inaccuracies, this is my last stop before litigation. Experians ' lack of process in properly verifying inaccuracies in my report has caused damage to my character, reputation, and my ability to acquire a mortgage. Most recently I mailed out disputes certified to Experian on XX/XX/2023. These disputes were received and signed for on XX/XX/2023 ... After a few days, I started receiving emails stating that I did not send the disputes and they refused to process them, attached with the dispute was a copy of my INDL, MY SSC, a Copy of my Utility Bill, and a notarized letter, stating these disputes are being requested by me... Furthermore, Experian has failed to process a proper dispute, just simply stating items are " verified ''. Upon requesting the method of verification, no information has been provided. This requires Experian to remove ALL items disputed. When I tried to refile the dispute, by uploading the documents per instructions on web site. I received an error stating the site was down... I then called and spoke to an agent named XXXX on XX/XX/2023. She stated that she checked with the IT team that no error was found and that the upload site was working properly. When I asked why and what I needed to do for further disputes to not be denied. She stated that I needed to attach the documentation showing that it was me. After looking at the disputes she stated that she was able to view the letters and that she saw no reason why they were not going to be processed. She then asked someone on her team to see why there were turned away. she came back and stated, " THEY WERE DENIED BECAUSE THEY APPEAR TO BE SUBMITTED BY A CREDIT CLINIC ''. I use tax software to help with my taxes, as well as software to help with my disputes. This delay is considered a willful disregard of my rights as a consumer.

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 2021-01-15
Company: EQUIFAX, 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.I will also call my lawyer and file a lawsuit. Remove this fraud account ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I enrolled in American Express car rental protection insurance on XX/XX/2023. I told the Sale Representative/ Customer Service what I needed and my situation. The Sale Representative/Customer Service told me to use my American Express credit card at the rental agency XXXX  and said " Something like a Pre Authorization will activates the insurance ''. The rental car had an accident on XX/XX/2023. I filed the claim on XX/XX/2023. 

However, on XX/XX/2023 denied my claim as the following reason : " Our records indicate that an enrolled American Express card was not used to pay the rental fee for the Rental Car. Therefore, the above referenced activation requirement was not met.An authorization of {$100.00} was held and refunded therefore was not charged as a portion of the rental fee to the eligible card. XXXX XXXX XXXX was charged in full for the rental of {$320.00} per the Closed Rental Agreement ". 

From my perspective, American express Sale Representative knowingly Misled me and/or misinterpreted/Did not classify the insurance terms when I enrolled the insurance in the first place. Otherwise, I will purchase XXXXXXXX XXXX XXXX to cover the rental car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
OnXX/XX/XXXXwhile on a flight with XXXX XXXX a Credit Card from Citi was offered to me by a flight attendant. This offer advertised that once I spent {$3000.00}, I will receive XXXX miles-bonus, XXXX miles for every dollar spent on XXXX XXXX flights and some other benefits. 

After applying to the XXXX I got the card and called Citi to activate the card and to create a web account. I was told during this phone call by a Citi representative that I was going to receive the XXXX miles bonus in about 8 weeks after spending the {$3000.00} and that every time I booked a flight with XXXX XXXX using this card, I would receive XXXX miles per dollar spent. She also said that she was going to cancel a Citi card she found under my name that was issued sometime before by Citi but that I never got and I never used. 

After coming back from another flight at the beginning ofXX/XX/XXXX, I signed up into Citi web to find out how many miles I had and I realized that Citi did not apply the XXXX miles per dollar I spend on the flight I booked with this card and through XXXX XXXX. 

After talking to a supervisor she told me that I was not enrolled in the XXXX miles bonus program because of that previous card the first representative found that I never got and I never used. I explain to her that I was told in XXXX by the City representative that I was eligible and that all I had to do was to spend the {$3000.00}. This supervisor approved a XXXX-mile bonus to me right away for the inconvenience and told me that she was going to write a note requesting Citi to apply the XXXX miles that they promised to me from the very beginning. 

Today XX/XX/XXXXafter spending {$3600.00} and after making all my payments on time, I got I a letter from Citi saying that the special offer of the XXXX miles is not available to me. 

I am filling this complaint against City and I request an investigation to Citi because they not only are using unfair and deceptive credit card practices but they are also lying to me by advertising and promising what they are actually not doing. I feel treated unfairly because I did what I was told to do ( spend more than {$3000.00} and of course I have been paying on time ) and I feel that this company has used false statements because now they want to deny what I am entitled to. 

I really appreciate any help you can offer to me and to any other customer who has gone or is going through the same or a similar situation.

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 2019-04-20
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I received a call regarding 7 different medical bills that were placed with Keybridge, 2 of the accounts had identical account numbers. That was the first red flag. After going over dates of service and other details I felt the amounts were inaccurate because of the type of bill and insurance responsibility versus my responsibility. I called the original creditor. The original creditor reviewed all 7 accounts and found errors with the billing. They assured me that all the accounts were paid in full and they would contact keybridge to remove all the accounts from their system. 

XX/XX/XXXX I checked my credit and keybridge was still reporting several of these debts. When I called to inquire as to why, they were very rude and telling me I was responsible for the debts and I needed to pay them. When I explained what the issues were they replied that the original creditor did call them but said 3 accounts were still valid debts but the other 4 were removed. I told them I didnt believe this to be true and I would be contacting the original creditor to verify the accuracy of those accounts. When I said this the agent got very rude and informed me that I needed to contact my insurance company and I was NOT to call the original creditor. I told them I would do what I felt was necessary. He continued to insist I call my insurance company and was very insistent and rude telling me not to contact the original creditor. 

XX/XX/XXXX I contacted the original creditor who assured me that on XX/XX/XXXX they found the errors and the debts were invalid and had a XXXX balance. They also informed me they had contacted keybridge and told them the same thing. They also sent an email to keybridge on XX/XX/XXXX to tell them that these 3 debts are invalid. 

My concern is when I knew there was a discrepancy they tried to bully me into paying and not fully verifying the accuracy of what I owed. They tried to get me to take steps that would not provide the correct results. If I were to contact my insurance, it would not have found the billing issue on the creditors end. When I told keybridge the creditor had a billing issue they was insistent that I do not contact that original creditor to resolve the problem. This is unfair and very deceptive.

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 2018-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a false Derogatory mark on my credit file from Portfolio Recovery on XX/XX/2015 saying I owe XXXX from XXXX XXXX. I did business with XXXX  years back and paid them the FULL AMOUNT owed. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I know I paid XXXX In full so if any other payments were made it was fraud and not authorized by me. I would like this off my credit as soon as possible due to the fact they have inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I inquired about an apartment on XXXX  on XX/XX/XXXX, that same day i received a text message from a woman named XXXX XXXX through the phone number XXXX, she said she would meet me at XXXX XXXX the next day, i included the text message in the attachments. she asked me to check my credit score through 2 different websites which i did, XXXX, it also has an app attached to it named XXXX, i checked my credit score and took a screen shot of the score, my name, birthdate and current address. She also asked me to use the website transunion.com to check my score, i did and i screen shotted my credit score. I went to the residence the next morning XX/XX/XXXX, she did not show up, i called the number on the rental building, a man answered and said that apartment had already been rented and that i had been scammed. i called the police and they told me to reach out to this website. i contacted transunion.com, they told me to lock my credit account, i could not reach XXXX, they are unavailable on sundays. i attached text messages, and the XXXX ad.

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 2016-04-01
Company: ALLY FINANCIAL INC.
State: TN
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I wired {$420000.00} in my Ally Bank account. The Federal Reserve Receipt for this wire, XXXX, clearly dates receipt of the funds by Ally Bank as occurring on XXXX XXXX. I contacted Ally Bank by telephone at XXXX EDT XXXX XXXX and again at XXXX EDT requesting that the funds be booked into my account on XX/XX/XXXX to prevent the loss of one day 's interest on the funds. On both calls, I was told the Bank could not locate the funds despite having been given the Fed Reference Number. The funds were subsequently booked into my account XXXX XXXX, resulting in the loss of interest in the amount of {$11.00}. To date, Ally Bank has refused to credit my account for the day 's loss of interest, despite evidence that the Bank received the funds on XXXX XXXX. 
I filed a similar complaint against Ally Bank, Complaint # XXXX, for delaying by two days an Automated Clearing House transfer of {$150000.00} which occurred on XXXX XXXX, but was not booked into my account until XXXX XXXX, resulting in the loss of interest in the amount of approximately {$8.00} It is clear that Ally Bank is engaged in a pervasive scheme to defraud its ' customers by intentionally delaying booking the transfer of funds into its ' customers accounts in order to avoid having to pay interest on those funds. The savings to Ally Bank, and the loss to customers, is considerable given the number of fund transfers that occur over a long period of time.

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 2019-10-27
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Around a week ago So XX/XX/19 received a notice my businesss account was closed due to risk even though I didnt do anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was on a lunch break and went through a drive thru when I found out my card was declined so I checked my online banking and it says access suspended so I called and chase gave very little information. I was stunned this all happened and would like to know why so the problem could be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Paypal Holdings, Inc
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, On XXXX XXXX I screens shotted from XXXXXXXX XXXX XXXX  a picture of a comedy show. He declined making fun and saying that he was not worth that much. The tickets were {$190.00} Keep in mind I " screnn shotted '' the event not clicking on the link AT ALL. 
The next day I received an email stating that the {$190.00} was used for these tickets, the transaction being done by my friend. He does NOT even have Venmo. I called him and told him what happened and so it begins. 
I contacted Venmo via phone and told them I DID NOt authorize this transaction and I would trust this friend with my life! They then put the money back temporarily two days later while they investigated. 
On XX/XX/XXXX, they got back to me DENYING my dispute. Thet stated that if I had any more information to back up my complaint to do so and the would be happy to take another look. 
I sent them EVERYTHING I had including pictures of the conversation starting with the screenshot of this event. 
They replied back on XX/XX/XXXX and denied it again for the second time. Again saying they would take another look and not to reply back to that email. 
Because I never authorized this transaction initially, I withdrew all of my money knowing they were going to take back what they gave. 
I tried opening a new account with new information because I do like Venmo for many reasons. But they somehow new it was me and eventually I made payments for the balance just so I could have this platform. 
Obviously I know I was hacked and think I have proof? The amount is different but on the same day it says that {$220.00} was a transaction against my account from someone in XXXX.I have never even been to XXXX! 
I did not want to stop there. I contacted the attorney generals office here in XXXX and they told me it was an FBI issue? I believe its the ICC which is internet crime complaint. Needless to say I never heard back so here I am still wondering where that money went with a negative resolution for me. 
In closing, I have all the documentation, names, numbers, transaction id 's and screenshots of this whole ordeal. I try to advocate for myslef the best way I can.I stopped because when I asked around, noone could help me until I contacted XXXX. 
I am hoping that you can help me resolve this issue. As a XXXX mom and a contributer to society, there has to be some justice when the situation calls for it. 

Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
My identity was stolen and on XX/XX/XXXX, 2 hard inquires appeared on my equifax account. I submitted disputes right away and froze my account. I contact the creditor and they noted the attempts were fraud. The inquires were removed from XXXX  and XXXX immediately after speaking with them. Equifax did not remove the inquires after the disputes were closed. After speaking with equifax again today, they are refusing to remove the fraud inquires even though the other agencies have, I have active fraud alerts on my account as well as through the FTC and my credit has been frozen.

Company response to consumer: Closed with explanation