BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
Company: U.S. BANCORP
State: MO
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a US bank XXXX gift card FYI Card # XXXX ccv XXXX Barcode # XXXX I made a flight book with XXXX, and there is an issue with the credit back so XXXX customer service suggested me to contact card issuer for refund ( this doesn't matter ). 

So I contacted USBank prepaid gift card customer service. Talking about open a dispute on payment. But I didn't proceed the dispute since the customer service told me, that will takes 180 days for investigation. So I quit, told that customer service stop it. 
( USBank Prepaid GC dpt. gets every phone call on recording, you can check the voice recording for, if I authorize the dispute ). 

Then I talked with XXXX customer service and finally, after XXXX hour talk, I get my refund perfectly back to my card. XX/XX/2023. 
And XXXX day later, I checked with USB GC auto-phone call, the balance {$500.00} was back. 
Landing safe for now. ( And my card wasn't replaced for now, since if the card is replaced, customer can not reach to auto-phone call, can not self-check balance with auto-phone call ) Then my nightmare came. 
Around 3 days later, approaching XXXX, I tried double check the card balance, since I know the USB GC is not someone good to use, so that I can avoid embarrassing of declined payment while trying to sweep the card in store. 

!!! I dial the auto-phone call number again, I was astonished transferred to human customer service, that's mean, something not right happened on my card, MY CARD WAS REPLACED. 

My card was replaced, without my authorization ; The replacing reason is, an un-authorized dispute. 
Init a dispute, without customer 's permission, is not right. 
Replace customer 's card, is also not right. 

But it's okay I'm trying not to be hash. 
I'm not happy with missed the oppotinute using the card on XXXX Friday, but fine. 

I talked with the USB GC customer service, they said the replaced card would with me on XXXX. 

But now, XX/XX/XXXX, still don't get. 

And a customer service told me it's still on time frame ( XXXX bs days ) ( while the previous customer service told me it is around XXXX bs days )

Company response to consumer: In progress
Consumer complaint received 2020-09-23
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/XXXX, XXXX XXXX XXXX reported to the credit bureau Experian that I have a debt from XXXX. Which is completely false and inaccurate. I sent a letter to them on XX/XX/XXXX and bureau asking their method of verification and they could not provide the facts. In writing I ask them to provide the vadilty of this debt. Experian wrote back on XX/XX/XXXX saying it's verified but failed to show proof of this debt to me. They LIED and did not attempt to verify this debt. I am requesting this debt collection be removed from my files. I need to see name of person they spoke with and documentation used to verify this account. I do not trust that within 7 days they verified this debt.

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 2022-08-29
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Penn Credit Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/2022 Dear Penn Credit Corporation After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail and via the consumer financial protection bureau, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Best Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Please help its been frustrating time with the covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
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: Public record information inaccurate

Complaint:
There is a Bankruptcy reported inaccurately on my XXXX and Experian account. Both Experian and XXXX claimed that the information was verified with XXXX XXXX. However, I've suppressed my XXXX XXXX ( and have the confirmation letter below ) months before requesting the removal of the bankruptcy and they ( Experian, XXXX ) managed to still get information from XXXX XXXX. This in violation with FCRA regulations and I'm requesting the Bankruptcy reported on my Experian and XXXX account be removed.

Company response to consumer: In progress
Consumer complaint received 2023-04-20
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: Information belongs to someone else

Complaint:
Consider this complaint as my follow-up to my previous letters dated XX/XX/XXXXXXXX XXXX XXXX 
My previous complaint contains these items which are presented to be erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Block, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XXXX, I contacted Cash App about XXXX unauthorised transactions made on my account all to a merchant called XXXXXXXX XXXX XXXX  ' - most of these transactions occured within minutes of each other. 

Cash app asked me for all the transaction details for each of the XXXX transactions and I confirmed they were all unauthorised. Cash app initially did not refund any of the transactions. I subsequently lodged a complaint at the end XXXX and they refunded XXXX of the transactions. Since then I have been trying to obtain details from Cash app as to why they refunded only XXXX of the transactions and not all of the transactions. They indicated I approved the transactions for which I asked for evidence of this which they provided a email which simply said I approved them without details of how they came to this conclusion. I recently complained again and they asked for the same details again and then replied to say that they would escalate it and I would get a email response. They still didn't provide the rationale that I was seeking as to why XXXX transactions were refunded but not the others- noting they were all to the same merchant eg XXXX XXXX XXXX and were all unathorised. 

They simply replied with information on the transactions but no explanation. When I questioned this there response was that they have closed the case due to me not responding and they consider the matter finalised. 

I am seeking compensation for the other XXXX transactions. 

It makes no sense as to why the distinguished between the transactions and also given the way this fraud occured on my account I would have expected that Cash App systems would recognise multiple transaction in a short period are likely to be a fraud similar to processes banks have in place

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
I am writing to dispute the reporting by HMF to XXXX of my liability for a late payment from XX/XX/2019. I will simultaneously be reporting this to the HMF and XXXX for further review. Grievance. 

1. I allege my ex-wife fraudulently processed a chargeback on prior payments made on my lease to HMF. Upon learning this, HMF indicated that their systems had me requesting the chargeback, to which I replied with the allegation. I further asked that they respond to the chargeback dispute inquiry with XXXX to affirm the payment was legitimate. They refused. I was unsuccessful in convincing my ex-wife to make the payments and so they were two months behind with no warning. 

2. When I began receiving calls from collections, I also offered to furnish evidence of the fraudulent chargeback. On XX/XX/XXXX, HMF collections called me with indicating that if I didn't make a payment that day, there would be negative reporting on my credit because we were " at the 40-day mark. I went ahead and MADE A PAYMENT THAT SAME DAY, XX/XX/XXXX. Because I was told this payment would avoid negative reporting, I am here alleging erroneous late payment reporting by HMF inconsistent with their own internal procedures and external communications to me. 

If they are exempt from disputing the chargeback, they most certainly should be held accountable for the communication regarding credit. There is more context to the situation that HMF is aware of and avoided answering the substantive issues above in complaint XXXX. Simply reviewing the payment record without listening to the recording of the collections conversation misses this vital communication, even if claimed as agent error ex post facto. It costs you nothing, HMF, to correct this error in your reporting. It most definitely costs you a customer if you refuse to correct the error. It shouldn't be my credit, in the meantime, that is the only thing impacted. There is an easy and just fix to this well within your power to redress. 

The software below is not processing attachments. HMF has relevant payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2020-12-19
Company: TRUIST FINANCIAL CORPORATION
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been a BB & T credit card holder since XX/XX/XXXX. I have always paid my bills on time and generally did not carry a balance. In XXXX - XX/XX/XXXX, hundreds of fraudulent charges totaling more than {$3800.00} appeared on my card statement. I immediately contacted BB & T and they cancelled the card and issued a new card. I worked with BB & T to identify all of the fraudulent charges and corresponding foreign transaction fees, through the first few months of XX/XX/XXXX. I was given the impression BB & T was working to resolve this issue. However, in XX/XX/XXXX BB & T closed the fraud claim leaving more than {$2100.00} in fraudulent charges on my account. I insisted BB & T open a second fraud claim, and I continued to work with the BB & T fraud team. BB & T acknowledged and reimbursed an additional {$1500.00} in fraudulent charges in XX/XX/XXXX. As of XX/XX/XXXX, the account still includes more than {$600.00} in fraudulent charges unaccounted for. In addition, BB & T has charged late fees and interest of more than {$600.00}, and they've reported the account as late, severely impacting my credit score. 

This issue has been referred to several special investigation teams within BB & T and they have not been able to acknowledge all of the fraudulent charges. Now, due to both the large number of charges and the fact that numerous teams have attempted to resolve this ( without success ), BB & T states this issue is nearly too complicated for them to untangle. BB & T continues to insist I make payments on these fraudulent charges despite their ongoing investigation. 

I am concerned that BB & T will force me to pay for illegitimate charges and my credit will be permanently damaged as I begin the process of applying for a mortgage to buy a new house. Because of this damage to my credit, one financial institution has already denied my application for a bridge loan and would only approve me for a mortgage with a much higher interest rate. 

After more than a year and many hours on the phone with both the fraud department and BB & T 's collections agency I do not have confidence that BB & T will resolve this.

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 2023-09-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/XXXX - my employer XXXX XXXX issued me a check for my first paycheck with an amount of {>= $1,000,000}. Check number : XXXX. The check was issued from the company 'XXXX XXXX XXXX XXXXXXXX corporate account. 
XX/XX/XXXX - upon receipt of the check, I noticed that my old bank account does not have a branch in the region I live in now, so I opened up a checking and a savings account with Chase Bank. and I brought the check to XXXX 's branch in XXXX, XXXX  to deposit the check. They took my check and said I need to wait until XX/XX/XXXX for the check to be cleared. And I then left the branch. 
XX/XX/XXXX - I got a call from XXXX saying that there's a fraud alert put on my account, and they have to limit my mobile app access. They said they need to contact the issuer of this check to verify that this check is real. But they could not verify this check with XXXX because XXXX wouldn't give my information to a third party. They furthered said that there's nothing I could do until the check is cleared. I hung up the call. 
XX/XX/XXXX - My employer said my check has been deposited. So I called XXXX again to lift the fraud alert. XXXX said they still need to verify this check with the maker of the check, which is my employer XXXX. With multiple attempts, they could not reach the number listed on the check or the number registered with them in the system. They also wouldn't contact my payroll team directly and said it wouldn't work if the payroll team tries to contact them either. I was then told by my payroll team that I should ask XXXX to contact XXXX 's number on the public record and get transferred to the payroll team. However, XXXX wouldn't do that either because the public record number is not registered with them. I was told that there's nothing I can do except for passively seeing my salary ( {$45000.00} ) to be moved to suspense, and having my account cancelled. XXXX also told me that if the amount could not be verified, after two years this amount would be forfeited by the state of Washington. The payroll team is also confused because from their end, they have already seen the check being deposited. 

This is a very desperate situation, and I can really use some help here.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}

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 2020-09-28
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Aspire sent me a pre-approval promotion. I entered in the promotion code to see my offer, but after seeing the terms, I decided not to accept it. 

Aspire made an unauthorized hard inquiry on my credit report without my consent during the process. It did not make it clear that one would be made upon entering in the promotional code. I sent a letter asking for it to be removed, but they refused. 

I have attached a screenshot of the terms which I did not accept and thus, turned down the offer. Never during the process did Aspire make it clear a hard inquiry was going to be made if I entered in the promotional code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation