BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: Genesis FS Card Services, Inc.
State: AL
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have had {$2300.00} worth of fraudulent charges made on my credit card over XXXX charges across the period of XX/XX/2021 - XX/XX/2021. This was on the credit card number XXXX XXXX XXXX XXXX. 

I have attached a document with a table that outlines every fraudulent charge, and evidence as to why this was not my charge. 

I have been on an incredibly frustrating journey with Bank of America ( starting XX/XX/XXXX ). I have provided as much evidence as I can muster - calling vendors, documenting each charge with evidence showing I did not make the charge, filing a police report, and calling the Bank of America to confirm at each step that the bank has been receiving my evidence to support the claim ( bi-weekly now for 4 months ). 

The claim has been denied now 5 times with no information provided to me as to why. I have confirmed every charge was fraud, and provided line-by-line documentation with evidence ( for example, one charge was {$300.00} to a XXXX site never visited by me ; another was a {$700.00} XXXX charge that was not sent to my address and was not listed on my XXXX account ). 

I have filed a police report, faxed a 17-page document of evidence, and called weekly for to check status and ask if there is further clarification I can provide. I have called vendors myself to receive evidence that these charges were not me. And, have spent hours defending my case. 

Amongst all of this, the bank took away the credit from the charge in the first 2 weeks of the claim being open ( as they quickly, and wrongly, denied and closed the case ). They then asked that I pay the chargers otherwise would be charged overdraft fees and a receive a hit to my credit score. Ultimately, I was threatened to pay these charges ( that were not authorized by me ) or would have repercussions. I paid the charges, and now I am without the money, and the bank has theirs, so no one is helping me. 

I have missed hours of work, missed out on investment opportunities to spend my rightfully earned money, all because the bank has continued this investigation and wrongly denied it now for 4 months. 

I have had XXXX XXXX XXXX of dollars of interactions with this bank, have never missed a payment, yet am being treated as a fraud criminal. 

I have no other avenue within the bank to escalate and process this fraud to see the money that was stolen from me rightly returned.

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 2021-10-04
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit 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 inadvertently purchased the wrong technology TV and tried to cancel almost immediately. The button to push to cancel never became live, although I tried for days. I began a return since I couldn't get anywhere else. I filed a dispute with Synchrony and checked back in about 6 weeks since I hadn't heard anything. I was told that it was decided in the vendor 's favor. After my initial shock, I gained enough composure to re-explain that I did not receive this TV and that I was beginning to think it was a scam from the start since you could only cancel if the button became live. It never did. Obviously, the investigation was poorly done. I was told my only recourse was to file another dispute and wait for another 30 - 90 days. In the meantime, my Synchrony Amazon account is carrying this balance. I never signed for this tv and I would think a picture of the delivery should be required, everything else does? They have no proof since it was not delivered to me. I just contacted Synchrony about the second dispute and was told it was decided in the vendor 's favor again. I think it is a third-party vendor with Amazon? Please help. I am so stunned and in disbelief that the credit card company, of which I am their customer, has no proof of my receiving this product yet is now looking for payment!! Thank you for being my advocate, I am at a loss.

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 2022-07-09
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX. I purchased crypto training for XXXX via zelle. Zelle not the receipent are.not giving me my money back. It is a scam. XXXX XXXX the person I paid has ignored me, the banks and zelle has ignored me. I have been given the run around for a year. All I wanted was the training. He never did that and he kept my XXXX What a stand up guy. He's now the owner of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never opened up a XXXX  credit card in XXXX  I was contacted by a debt collection agency with a court order to garnish my wages for this card that I had no idea about. I contacted the agency told them this was not my card and I had no knowledge of it, and was told it would be put under dispute and they would contact me. Which I havent heard anything. I then created a account for identity theft for this card and sent certified letters to the court and the agency stating in words this was not my account and I filed for identity theft. I also asked for proof of my signature and transactions from the agency, which I still have not received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Advantage Financial Service LLC (Idaho)
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was with XXXX XXXX XXXX XXXX ID. I already paid this company XXXX to XXXX dollars. However they kept saying they needed more time. They needed to do more applications. After 5 month of this I was fed up. I paid their first fee of XXXX or XXXX. With no results. I had renters bothering me daily. So I called up XXXX and had them come out for about XXXX dollar and they finally took care of the issue. XXXX however says I still owed them XXXX dollars. Which I refused to pay since they did not take care of my issue. They then put a XXXX dollar fee on to the XXXX making the sum XXXX dollars. Or XXXX. I forget. XXXX XXXX XXXX has now sold the debt it appears to Advantage Finacial Service XXXX. They have now said the past bill was XXXX, and they are now charging interest bringing the bill to XXXX. As far as I know collectors can't charge interest. Even if they buy out the debt. I WILL NOT PAY ANY ADDITIONAL SUMS on this since they did not meet their obligations of getting rid of the pests.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: In progress
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: TX
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 have recently reviewed my credit report and noticed some unauthorized accounts on my Consumer Report and under 15 USC 1681 a3. You guys assumed this role without permission, not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite the multiple previous written requests, the unverified item ( XXXX ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$360.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00}.

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 2022-07-09
Company: Experian Information Solutions Inc.
State: WA
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:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. To remove personal information that I did not want on my credit report. 

According to the fair credit reporting act 15 U.S Code 1681. I have the right to privacy.

Also according to 15 U.S Code 6802. No financial institution is not suppose to share my information to third party people.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information These are clear violations of my my federally protected consumer rights.

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a Account without my written instructions

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 2023-12-14
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.

Company response to consumer: In progress
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-07-09
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a computer generated letter the first week in XXXX XXXX XXXX from Midland Credit Management stating that i owed them XXXX from a XXXX XXXX Credit card. 
Upon reviewing my consumer report i see that this was reported on my report. I wrote them a letter disputing the debt and requested proper and complete validation of this debt according to federal guidelines and not to contact me until they have sent me the proper validation. This letter was received on XX/XX/XXXX by them. They have neither ceased collection attempts or furnished me with the proper validation. I have told them that until they do the debt will be considered invalid. i will attach the letter that i sent to them along with this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank, my mortgage lender, assessed me a late fee of {$75.00} for a " missed payment '' even though my mortgage payment was made and on time. My mortgage payment was a set amount then US Bank raised my escrow amount to be collected monthly by {$57.00} on XXXX of this year ( the 2nd time in a year ). They claim a letter was sent out to me explaining the increase but I never received it. I live in XXXX and am lucky I receive any mail at all. 
I had this very same issue happen twice before over the years with US Bank when they changed my monthly payments to reflect an increase in escrows collected. In those cases it was the same circumstances, my monthly payments were made on time but short of the amount of the new escrows increases. Those increases were less than {$100.00} each time. They did reverse those late fees then but will not now do so now due to " policy '' per XXXX, who claimed to be management in their mortgage department in XXXX XXXX, Missouri. She explained that they sent a letter explaining the increase and wouldn't budge on reversing the late fee. My payment was on time, but did not have the additional {$57.00} added to it. 
They accepted my payments then didn't apply it to my account. They say the payment is incomplete and and as result, none the money sent is applied as a payment. Instead of notifying me by alternate means of the escrow changes and of the increase to monthly payments, they impose fees first and notify you that you owe late fees. No effort to contact their customers that perhaps their customers didn't receive notice, they just impose late fees instead. Obviously if a customer is paying their mortgage payments on time and at a set amount then suddenly aren't making the new adjusted payments, they didn't receive notice of the changes. To add injury to insult, I inadvertently made a double payment and instead of applying those extra funds to the short payment, they took those extra funds and applied them as payment to the principal balance. I made a double payment and am now being charged a late fee, how ridiculous. 
These policies and practices need to be stopped! It's predatory and unfair. I intend to take my future business elsewhere. If cost effective, I intend to get this mortgage taken over by another lender.

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 2021-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Capital One Credit company was contacted during the Pandemic, when everything was on Pause due to shut down, including late payments and negative reports to credit agencies starting, in XXXX XX/XX/XXXX. I notified Capital One of my illness, and of a missed payment error and was told to submit the request, in writing. I was provided a corporate address. I submitted the letter, and the one negative report on my credit still remains. I contacted Capital One again in XXXX, and was given another address. I called about three weeks later to follow up with a supervisor, who told me there was nothing they could do, since I had a late payment history with them previously, they could not remove this one late report off of my credit report. I acknowledged that I have made late payments in the past that were not reported to the credit agencies, because they were only a few days late, but this was an exception and due to the pandemic, all credit agencies were supposed to grant a courtesy in regards to reporting negative payments due to the pandemic. I only had one excessive late payment, and I have not been late since. I explained that due to this, I was unable to refinance my home and the impact that it has had on my credit report. Prior to this, I had a 100 % payment history, and scared banking agencies looked at this recent blemish as an excused not to refinance a desperately needed cash out loan, which I needed to pay off my credit card debt. My Credit is currently XXXX, but I have a high debt to income ratio. The supervisor refused to make the adjustment, in light of my 2 mail request and the pandemic government order for them to do so, in order to lend consumers a helping hand, during a world crisis. How heartless can they be.

Company response to consumer: Closed with non-monetary relief