BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Barclays gold card offered the card to military members with no annual fee and zero percent interest. Recently, Barclay changed the policy charging {$990.00} annually to military members. I would say this was a classic bait and switch. Lure military members in offering a good deal and once purchases are made change the fees to charge the annual fee. Military members with a balance and unable to pay off and cancel get hit for the highest fee on the maket.

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 2023-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yesterday we deposited 2 checks in the ATM machine, there was no hold on the receipt.

Today I checked my account and discovered that the 2 checks are in hold until XX/XX/XXXX, because one of the checks amount was entered wrong. So they adjusted the amount and held both checks.

Called them to get my funds earlier with no luck.

We are self employed and fighting to pay bills and employees on time and its so frustrating that because of a stupid ATM error we wont have money to pay bills and my employees which also have his bills to pay. Been a good costumer, never had a check bounce, those checks are from old costumers so its known to them and I had bigger amount deposited before that didnt hold. 
So its clearly a ATM error! Talked to the manager and nothing could be done. I asked to release at least the check that was deposited in the corrected amount and she implied that once its in hold theres nothing to do.

I really think this system should work better. What is the point in being good costumer and loyalty if they dont care about your needs.

Im definitely switching to local bank. Im done with Bank of America after 20 years!

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 2021-12-29
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented an apartment at XXXX in the XXXX managed by XXXX XXXX XXXX for more than 10 years and Paid rent on time 99.9 % of the time. However, XX/XX/2021 during the pandemic Landlord decided to send me a notice that I received when I returned from an emergency out of town trip that stated that landlord intended to terminate my lease effective XX/XX/2021. However when I tried to pay XXXX 's rent landlord returned my check stating they intended on evicting me on XX/XX/XXXX and could not accept my check. 

This matter finally came before the XXXX XXXX XXXX XXXX XXXX, Michigan XX/XX/2021 and was settled with my payment to landlord in the amount of {$7000.00} that was not to include any penalties or late fees and covered 6 months rent part of which was Gas and water and sewerage. for the last 12 months in XXXX my rent was {$970.00} + {$75.00} ( uncharge for month to month ) = {$1000.00}. Additionally, with the utilities included my average monthly was {$1100.00} for the past year. the court order was settled with {$1100.00} per month which included the utilities that were managed by the landlord XXXX XXXX XXXX. However they are now trying to keep my {$370.00} deposit and falsely claiming I owe {$220.00} for the same bills I have paid. The collection agency representative was interrupting me while I was trying to explain. I felt talked down to and unfairly treated. She told me without even checking that I owed the money for legal fees or something so pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Bread Financial Holdings, Inc.
State: UT
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:
Comenity Bank XXXX is reporting a late on XX/XX/20. Due to the unanticipated events in my life surrounding XXXX, I was affected financially. During this time, I was paying my absolute necessities and was really struggling. I was surprised to see Comenity Bank report any late notations at this time because the bureaus did ask creditors to take leniency on credit reporting during an unprecedented pandemic. I have been current since and was never late before. I ask that Comenity Bank please make a one time goodwill adjustment and remove the late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern, XXXX XXXX Experian XXXX XXXX Case # XXXX & XXXX As a consumer my rights have been violated by XXXX & Experian per The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Both credit bureaus are stating that XXXX XXXX XXXX XXXX  furnished this information. However, I have a letter stating that " XXXX XXXX XXXX XXXX XXXX does not report to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. 

I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: NV
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1692 d ( c ) states that its a violation for advertisement for the sale of any debt to coerce any payment of 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 explanation
Consumer complaint received 2023-01-24
Company: Professional Recovery Management
State: SC
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: Investigation took more than 30 days

Complaint:
Disputed this TWICE now and required in writing debt validation with NO responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In XXXX of XXXX, I purchased a golf simulator from XXXX XXXX XXXX 

The financing was through XXXX/XXXX - XXXX In XXXX - of XXXX I convinced XXXX XXXX XXXX to return the product due to defective performance which they agreed to accept the return. 

so they took the return but didn't refund the entire amount and left a balance of around {$150.00} bucks on the XXXX financing that I was not aware of and then I got a reporting of 60 days late in XXXX of XXXX. I spoke to XXXX and they said the entire amount was in fact refunded but weren't aware of why the little balance was remaining and that it must have been a charge from XXXX. XXXX said it wasn't one of their fees but rather, XXXX had requested a refund for the incorrect amount. 

The transaction was reversed completely and therefore this remaining balance that I ended up paying to prevent a 90 day late should have never been left on the account. I also lost out on the payments I made for 6 months to XXXX for the financing or so on the product even though the transaction was reversed and the product refunded. 

The financing was for {$2800.00} and opened on XX/XX/XXXX. 

Also, the reporting is not accurate as it just has a 60 day late listed in XXXX of XXXX but never had a 30 day late listed. The 60 day late is listed on my Transunion and XXXX and not 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 2022-04-29
Company: BANKMOBILE TECHNOLOGIES, INC
State: GA
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:
On XX/XX/2020, I noticed that unauthorized transactions totaling {$5600.00} from my BankMobile Checking Account. The notes on the transactions said the merchant name was " XXXX XXXX XXXX. '' I tried to login to my XXXX account but it would not let me. I will attach a screenshot of what it looked like. It closed my account due to suspicious activity. The hacker changed my primary email on the account. It will not let me login and I have emailed XXXX several times since XX/XX/2020 but have gotten no help. I will also attach the response from the email from XXXX. Their ID/security automation has not worked since XX/XX/2020 so I have still not been able to access my account. It is also my business account. I run an online business, and I have not had access to my business for over 2 weeks now. I disputed the transactions through each of my banks. XXXX XXXX notified me of a fraud alert so the transaction never went through. XXXX XXXX XXXX XXXX only approved one payment but marked the next transaction as a fraud alert for suspicious activity and have refunded the money. BankMobile allowed 5 transactions with a total of {$5600.00} to be completed without notifying me via text, call, or email. That amount is double of what I can spend on a daily basis so I am not sure why these transactions were allowed or why I was not notified. After 10 business days, I was notified by Bank Mobile that my claims were denied. There is no option to appeal. When I called, they said the claims were denied because the merchant is responsible ; however, I have zero way of contacting the merchant as I still can not access the account. The bank should have notified me after the second large transactions so I could have frozen my account. I send them an FTC report for Identity Theft. I have contacted the XXXX XXXX XXXX FDIC, attorney general, my personal attorney, and a Consumer Fraud Legal Attorney as well. These transactions overdrew my account. They sent actual payments back that I did authorize so now I have to pay multiple fees for the payments being sent back. These unauthorized transactions cleared my account which is affecting my personal life and business. I have no way of contacting the merchant or anyone at this bank that will speak to me regarding this dispute. I will attach BankMobile 's response to the claim. The only thing they could tell me was to contact the merchant even after knowing I do not have access to the merchant. My personal attorney 's email is XXXX and my Consumer Fraud Lawyer 's email is 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 2023-02-11
Company: Receivables Management Partners, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter in the mail from RMP regarding a bill in the amount of XXXX. The account number is XXXX. Upon receiving the letter, I immediately logged in and paid XXXX, as this was from a doctor 's visit, and I had attempted to pay on their site, but they already moved it to a collection agency. The date of payment was XX/XX/2023 at XXXX. The system told me it could take a few days to fully post to the account. On XX/XX/2023, I logged in to check and make sure it posted. I noticed that my balance due dropped to XXXX. I hit the contact us to ask them about this, and they advised me to reach out via phone. I called them. The rep that I spoke with asked me if another person in their system was my husband. I said he was. They advised that they had several accounts for my husband with balances due and that my payment had been applied to his accounts. I told her I didn't know my husband had accounts with them. I also am not listed on those accounts, and I should not have to have my payment for my account applied to his accounts. I am not even listed as guarantor or have permission to speak on these accounts. She proceeded to give me the balances of these accounts. She also told me that she was submitting a request to have those payments that were applied to his accounts moved to mine to ensure it was paid in full. As of today, this still has not been completed. 
1. Why are they giving information on other accounts to a caller? How do they know I am in fact related to that person?

2. Why are they applying my payment to other accounts I am not even listed on?

3. When I login to the system, I only have 1 account listed in my name. I paid the entire balance that was listed on the bill for MY account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX I entered dispute with experian about, XXXX XXXX XXXX XXXX, derogatory remarks on credit report, in accurate days late not being consistent, XXXX XXXX thru multiple months being reported as 30 days late, then 60 days late for multiple months, I would like this removed off my credit report as it is reporting new charge off and delinquent status as of 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 2023-07-22
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had a prepaid card that had about {$100.00} left on it. On XX/XX/2023 someone was able to steal my card number, log in to the account, and change all of the personal information. They then made a purchase of about {$100.00}, clearing out the card. I called immediately after discovering this on the same day, XX/XX/2023. I was instructed to fax a copy of my ID, front and back of the prepaid card, and other personal information in order to get the card back under my name and that I couldn't dispute the fraudulent charge until the card was back under my name. I was told that it was take 3 business days to process the faxed information and to call back once 3 business days had passed. On XX/XX/2023 I called back and was informed that there was an issue with the faxed documents and to refax them. The issue they told me was that the faxed images came in 'mirror imaged. ' On XX/XX/2023 I spoke with a supervisor who said he could see the images, that they were NOT mirror imaged, and made a claim ticket to have the documents rechecked. That supervisor gave me a ticket number and told me to call back periodically to check in on the claim. I called back on XX/XX/2023 to check in, I was hung up on by the first supervisor. The second supervisor straight up lied about the issue. First she said that the problem with the faxed documents were in black and white. It's a fax, it can ONLY be in black and white, I'm not sure why she tried to claim that. Then she tried to say the images were too 'cartoonish '. I have no idea what she even means by that. It's simply a black and white copy of everything I was asked to fax. Then, after asking to speak with literally anyone above her, she refused. She said her bosses do not talk to people on the phone. I was refused any kind of email or phone number to anyone I could talk to. I was only offered a XXXX XXXX XXXX. This whole thing is incredibly frustrating. I've been lied to, hung up on, and given the run around.

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 2023-03-04
Company: EQUIFAX, INC.
State: TX
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 sent a letter on XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$610.00} XXXX  XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/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 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 2021-08-10
Company: M&T BANK CORPORATION
State: NY
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:
i Made a Payment Today {$40.00} at The M & T Bank Located XXXX XXXX XXXX, XXXX  XXXX, NY XXXX for some reason the payment did not post to my Credit Card account and i am very Upset about this and my Payment is Due XX/XX/2021. 
and for some reason customer care cant see the payment on my credit card account ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Metro 2 Compliance Standards. This alleged debt are reporting fraudulently the 4 Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance you must meet compliance standards. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, I NEVER WAS EXPLAINED IN EASY TO UNDERSTAND TERMS ON MY RIGHTS AND THE PROPER DISCLOSURES. 
If a debt is sold to a 3rd party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.

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 2021-08-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company response to consumer: Closed with explanation