BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-04
Company: M&T BANK CORPORATION
State: CT
Product: Credit 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 attempted to do an XXXX XXXX cycle with a XXXX  clinic, XXXX, back in XXXX for which they fabricated medical information and committed medical fraud. They stated I had XXXX XXXX and could get XXXX XXXX XXXX XXXX. I simultaneously had my primary XXXX  perform an XXXX for which I have the medical records stating that there wasnt any follicles most likely but possibly there was one and that I was XXXX. In the end I never got the service that I paid {$8000.00} for and lost in additional {$4000.00} or so on the medication. This XXXX XXXX could not even supply me with medical records that this was attempted or anything which is another violation of medical law. I put this on my M & T bank credit card for which they did refund me the medication amount but the {$8000.00} clinic amount they are not refunding me despite the fact that the merchant stated multiple times that they would give me a refund! I have an email from the merchant stating they would email me dated XX/XX/2023 and the bank is refusing to acknowledge that and take the money back. That is in violation of United States credit laws. If merchant promises a refund, the bank is supposed to take the money back on behalf of the customer, and they are refusing to do so.

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 2024-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Subject : Urgent Request to Restore Access to Credit Report and Remove Freeze Dear TransUnion, I am writing to express my deep concern and frustration regarding the continued restrictions on my credit report and the inability to remove the freeze online or over the phone. As a business owner, I rely heavily on accessing my credit report to secure funding for my business and personal needs. 

The recent block on my access, despite my previous complaint to the CFPB, has caused significant difficulties and delays in my ability to operate my business. I find it unacceptable that I am being forced to wait XXXX business days to gain access to my own credit report, which is hindering my ability to make important financial decisions. 

Furthermore, I was shocked to hear from your agent that I need to obtain a new social security number, which I believe is an unreasonable request. I request that you send an email to the social security department officials to address this matter and resolve the issue. 

Additionally, I request that you update my credit report with the other major credit reporting companies, XXXX and XXXX, to ensure that my credit information is accurate and up-to-date across all reports. 

Pursuant to Section 605 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to request a freeze on my credit report and to request that the freeze be removed at any time. I am also entitled to receive a copy of my credit report and to dispute any inaccuracies in a timely manner. 

I urge TransUnion to immediately restore my access to my credit report online and over the phone, and remove the freeze to enable me to conduct my business operations smoothly. I also expect prompt updates to my credit report with the other reporting companies. I hope that this matter will be resolved promptly and fairly, without any further obstacles or delays. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Please refer to complaint # XXXX. 

this message is to advise the CFPB that Bank Of America has not contacted me since the last time they called me to inform me that they had already paid 2 of the fraudulent checks for {$4500.00} each with a total of {$9000.00} as well as an amount of {$3500.00} that was stolen from my checking account. However, they still have NOT PAID for 2 more transactions, one is for another fraudulent check, A THIRD ONE, for {$4500.00} and an authorized withdrawal for {$130.00}. When I realized that they have not paid such Transactions and I had not heard back from them in 2 weeks, I decided to call Bank of America at the phone number they provided ( XXXX ) where I called multiple times and left Multiple messages with XXXX and XXXX the BofA Employees in charged of my case. to be exact I Left a total of 5 messages and they have not called me back nor returned my messages in over 2 weeks. It seems to me they don't want to pay for the other 2 transactions of {$4500.00} and {$130.00} that they still haven't paid for. and they are waiting for the 60 days to pass and expire which makes me very nervous and unhappy! Please see attached documents 3 checks not 2 ) I also called CFPB and spoke to Blanca about this situation but she advised me to wait till the 60 days. 

I have had many negative experiences with Bank of America in the past and I just don't trust the bank anymore! I NEED YOUR HELP TO RESOLVED THIS PLEASE!!! 

Sincerily, 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 monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
*** As Stated on my FTC - Identity Theft Report **** List of Fraudulent Inquiries on Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing accounts on my credit report since 2019 the credit agency are all reporting incorrect personal and fraud accounts on my report i have numerous letters and police reports and the companies are not respond to my request or send me letters stating i am not the one filing the dispute

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 2024-01-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a formal complaint against PROCOLLECT , INC regarding their failure to provide a validated verification and essential information in response to my disputes. 

On XX/XX/2023, I submitted disputes to PROCOLLECT , INC in accordance with the Fair Debt Collection Practices Act ( FDCPA ) requesting a validated verification of the debt they are attempting to collect. Despite my efforts, the agency has only responded by sending a bill and a lease, which do not serve as proper validation of the debt. 

I sent another dispute XX/XX/XXXX XXXX requesting them to send proof they failed to do so by sending me the same letter as before. 

On XXXX I asked PROCOLLECT , INC to reinvestigate the insufficiency of the documentation they have provided. I gave them 15 days to respond. I have not received a response. 

In my subsequent communications, I specifically requested the following information : Original Creditor 's Name and Contact Information : I have yet to receive any details regarding the original creditor 's name and contact information. This information is crucial for me to verify the legitimacy of the debt and address any concerns directly with the original creditor. 

Verification of Legal Authority : I have requested verification that PROCOLLECT , INC has the legal authority to collect this debt on behalf of the original creditor. It is imperative that the agency provides evidence of its legal standing to pursue collection activities. 

Proof of Ownership : I have also requested proof of ownership of the debt, demonstrating that PROCOLLECT , INC has the right to collect on the alleged debt. This information is essential to ensure the validity of the debt and the legitimacy of the collection efforts. 

Despite my requests and the stipulated time frame for response, PROCOLLECT , INC has failed to provide the necessary documentation and information. As a result, I find myself in a difficult position where I am unable to adequately address or resolve the concerns related to the alleged debt. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I seek your assistance in ensuring that PROCOLLECT , INC complies with the FDCPA by providing the validated verification, the original creditor 's information, proof of legal authority, and proof of ownership within the prescribed time frame. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Block, Inc.
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/ I was approached by a man on XXXX dating app. He immediately asked me about the home I had just purchased, and i to, d him I was interviewing a handyman later in the day. He asked what jobs I needed a handyman for and I told him. He immediately said that state law says a licensed contractor and licensed electrician had to do those jobs, and that he was both. He offered to come look at what needed to be done, so I didnt get ripped off He came over for lunch and immediately started pointing out electrical hazards. and dangerous situations He showed me fake paperwork that said he was a licensed, insured contractor in Missouri. For construction and remodeling homes. He wrote a big elaborate description of all he would do, and asked for XXXX dollars up front for supplies. He said he would start the next day. He wanted to be paid through cash app. I transferred the money from XXXX XXXX  to cash app, and thinking I had purchase protection I put in the subject line of cash app that it was for supplies for the remodel. 
He did not start the next day. The only thing he started was asking me for more money. For 2 or 3 days he hounded me non stop trying to get more money from me, and when I finally said Id not give him another dime until the job was done. He got belligerent, angry, and loud with me. I told him I just wanted my money back and Id find a contractor who would show up and do the work. 
After that he just became a distant memory. He changed is number and disappeared. I contacted both cash app and XXXX XXXXXXXX and they both told me I was out of luck. 
I truly believed these banks were here to help people li, e me from being scammed. To, offer us protection from predators. Im XXXX XXXX XXXX, XXXX, and unable to fight for myself. 
Both financial institutions blew me off like I was nobody.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Bread Financial Holdings, Inc.
State: NY
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:
XXXX XXXX $ Creditor : Victoria secret XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Be advise this is not a refusal to pay, But a notice sent pursuant to the fair credit act 15 USC & 1692g stating your claim is disputed and validation is requested.This is NOT a request for verification or proof of my mailing adress, But a request for VALIDATION made pursuant to the above-named title and section. i respectfully request your offices provide me with competent evidence that I have and legal obligation to pay you. at this time, I will also inform you that if your offices have reported invalidation information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX XXXX ) this action constitute fraud under both federal and state laws.Due to this fact, IF any negative marks found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Validation of the fair credit reporting act, Violation of the fair debt collection practices act, and defamation of character the following declaration, I will require at least to investigate this information, During which time which time all collection activity must cease and desist, Also, During this validation period, IF any action is taken which could be considered detrimental to any of my credit reports.i will consult with my legal suit. This includes any listing of any information to a credit reporting repository that could inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your recept references to the account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.I would also like in writing that no further telephone contact be made by your office

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my credit report and I have found that in accordance with the FCRA Transunion violated my rights by reporting my payment late under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-01-24
Company: MoneyLion Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have used this app for years now. I used the app for credit building I had a previous loan I was paying off before I moved into a new address last summer, once that loan was paid off I initiated a new credit building loan because it helped with my credit building process. The new loan was initiated through the app in which the company operates through. 

After taking out the new loan I tried updating my address on file, the company stated I had to wait 30 days in order to update my address and in the process my account was temporarily closed. I and my significant other have joint accounts I've used with this same company for years but they stated I had to prove I had access to the accounts my significant other needed to send in a notarized form to state I could use the account, as well as a picture of both our Identification cards, along with bank statements, government documents, and a bill as proof of address. 

I completed the steps and each time I was told it was incorrect, this company found numerous issues with my documentation because it wasn't 60 days dated from my previous address after they have on file that I've tried updating my address before my account was closed due to whatever they deemed fraudulent activity in which there were none. My significant other has her payroll check as well going to the accounts and apparently it was too many transactions going to our accounts Moneylion considered fraud although we bank with XXXX and have been with them for over 10 years now. 

The only way to pay for the installment loan is through the app the company shut me out I've tried talking to different representatives as well as managers explaining that I've had a change of address I even sent over my lease agreement with my significant other on the documents to show we live together. The company has since reported nonpayment to my credit report and I've taken a tremendous drop in my credit rating and it's hurting my families livelihood. I recently had a XXXX and was going to purchase a bigger vehicle as well as look into purchasing my first family home, but this company has hurt my progression at this point and refuse to fix the issue. I've tried everything on my end I don't have any documentation dates 60 days back from an address I moved away from months ago.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-12-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On a weekly basis, I consume routinely both political and financial news. Typically, it keeps me informed on what is going on in the world, but rarely do I see any true connection or impact to my own life. Recently, I did have such a connection. I read that the Consumer Financial Protection Bureau was working to eliminate 'junk fees '. Shortly thereafter, I noticed that I had made an inadvertent lapse on an American Express Hilton credit card that I use for daily expenses. I normally pay the charges in full each month, but I had paid the XXXX charges on the statement date ( XX/XX/2023 ) and the XXXX charges after the next payment due date ( XXXX date : XX/XX/2023 ; Paid date : XX/XX/2023 ). Therefore, I carried a balance of {$47.00} between the months probably from pending charges that cleared. As such, American Express Hilton charged me a {$5.00} late fee, {$32.00} in interest, and confiscated the reward points ( valued $ XXXX ) for the month. I can understand the late fee and the interest as they are proportional and calculated based off the cards use and balance. But the rewards points confiscation is unlimited in its cost to the consumer. If I had spent more, then the confiscation of rewards points would have been as high as my spending, not my late payment. I have never known another credit card to charge XXXX % in a month based on credit card use. Even if legal, this activity should be discontinued through the Consumer Financial Protection Board or Congresses action in support of them. 

I sent this to my congressional representatives for future consideration as well. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On the XXXX of XXXX I made an online payment to my citibank Home Depot credit card. According to there website payments made by XXXX  will be posted on that day. Unfortunately I was charged prematurely on the XXXX of XXXX a late fee of {$26.00} because the payment was still processing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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