BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: Google Compare Credit Cards Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
Google Pay has offers for spending at specific merchants after activating the offer in the app. One such offer was 4.5 % cashback for spending at XXXX XXXX. I followed all the instructions and spent at XXXX XXXX on XX/XX/2021 but have yet to receive the credit to my account. I sent evidence to XXXX, including the receipt and screenshots demonstrating the offer was activated and my credit card was enrolled in the offer. It has been nearly XXXX months of back and forth emails in which XXXX has frustratingly asked me to re-send evidence and insisted that my card was not enrolled, not understanding the root cause of their problem. XXXX 's process is simply broken. Even though the terms say you have to " pay with enrolled card, plastic or contact less. You don't have to use Google pay '', the system is not actually integrated this way as the plastic/contactless transactions ( at least on XXXX ) are not registered in the app. Presumably this is why I was not automatically credited, but XXXX has instead insisted my card is not enrolled even though I demonstrated irrefutable evidence that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX of this year, I opened a CitiBank Account Package ( checking and savings account ) under a promotion offering {$400.00} when {$15000.00} new money was deposited in combination into the savings and checking account and the balance was maintained for XXXX calendar days. I deposited {$15000.00} in combination into both accounts on XX/XX/18 and maintained the balance into XXXX. Citi Personal Bankers have confirmed for me over the phone that I have met the requirements of the promotion as of XX/XX/18 ; however, I still have not received the bonus. XXXX days have now passed since I met the requirements. When I spoke to Citi Personal Bankers, on multiple occasions they have told me that the terms state the bonus will be paid ON the XXXX day following meeting the requirements ; however, I shared that the disclosure on the webpage for the offer states " ... you can earn a {$400.00} 'Cash Bonus ' which will be credited to your new Eligible Checking Account WITHIN XXXX ( XXXX ) calendar days from the date you complete all offer requirements. '' The Citi Personal Bankers acknowledged this disclosure ; however, they stated they never see the bonus deposited prior to XXXX   days. 

Since the disclosure states the bonus " will be paid WITHIN XXXX days '', and not " AT XXXX days '', I'd like to file a UDAAP complaint since I was expecting the bonus sooner than day XXXX. At the current moment, I must maintain the account open in its current status with the funds unable to be withdrawn or otherwise risk getting monthly maintenance fees withdrawn for going below the balance threshold, since if I close the account, change it to a different account that has a lower balance threshold, etc. will mean I will not receive the bonus since Citi states the account must be in original form at time of paying the bonus.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: NV
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 2021-11-23
Company: ERC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the XXXX time I am disputing the same identity theft debt from XXXX. Each time I report it through CFPB the corresponding collections agency closes the account, and my credit score returns to normal because the debt does not belong to me. However, when there is an inquiry on my credit for a new lease or a credit card, the debt ( {$400.00} ) pops back up immediately with another collections agency. 

The XXXX previous collections agencies were XXXX XXXX XXXX and XXXX  ) XXXX  XXXX. It seems to have been moved or sold to Enhanced Recovery Company in Florida. 

I have never been contacted by any of these agencies. I find out about this fraudulent debt when I check my credit score. Again, I have never been notified by any collections agency. 

I have no documents to show for any of this because XXXX XXXX XXXXhe debt doesn't exist and XXXX  ) I have never received a call or a piece of mail from any of these companies, including XXXX  itself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : 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 consum
er 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 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 2021-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Within XXXX ( XXXX ) minutes of each other on or about XXXX P.M., today, XXXX XXXX I received XXXX dunning telephone calls from the Bank of America. 

Furthermore, I had requested a reduction in my car loan payments but never received even acknowledgment from the Bank of America and yet the now are harassing me for full payment despite my request! 

I am a XXXXr citizens of advancing years with very serious medical problems indeed and the Bank of America is committing elder care law violations!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
USAA 's credit card department made an illegal withdrawal from my USAA checking account. This withdrawal overdrew my checking account, leading to an increase to the interest rate on my USAA credit card account balance. 

In XXXX of XXXX, USAAs credit card department notified me of an offer of 0 % APR until XX/XX/XXXX for transactions completed using its promotional checks, and each transaction using a promotional check incurred a {$75.00} fee. On XX/XX/XXXX, I had a XXXX dollar balance on my USAA credit card account, and I subsequently cashed a USAA credit card promotional check for {$17000.00}. After this check settled, my credit card balanced increased from XXXX dollars to {$17000.00}, which includes both the deposit amount and {$75.00} fee. This {$17000.00} balance had a 0 % APR until XX/XX/XXXX. Since that time, I stopped using my USAA card for any purchases or payments. 

On XX/XX/XXXX, I contacted USAAs credit card department to change my auto bill pay function to the minimum balance due, and the customer service agent informed me the change took effect immediately. On XX/XX/XXXX, USAAs credit card department made an unauthorized withdrawal from my checking account for {$17000.00} claiming a glitch in its auto pay system, and this withdrawal overdrew my checking account. The overdraw triggered a cash advance from my USAA credit card, and this cash advance from my credit card was at 10 % APR.

After many phone calls to USAA and approximately 8 hours + of exchange, both USAAs credit card department and checking department recognized the mistake and reversed the charges, restoring my credit card balance to {$15000.00}. However, USAAs credit card department has failed to correctly restore the 0 % promotional APR to my account, and it is still billing me for cash advance interest charges. I have spoken to its customer service repeatedly, and I have not been given a clear answer if and when this problem will be fixed. 

I have concerns that this may be systemic fraudulent activity by USAAs credit card department. I have professional experience as an auditor, and Im currently working on my CPA. I believe my background and experience have allowed me to recognize USAA 's bad behavior. However, Im concerned USAA may be cheating those inexperienced with finance by wrongfully increasing APRs on credit card accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: SC
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:
No company should be reporting anything on my credit profile without my consent to do so. Everything that's being reported is against my approval and has effected me tremendously while doing so and I need to be compensated for it. For every inquiry on my account that has been placed on my account due to FRAUD because I never gave anyone my consent to public expose my private information without just compensation. However A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. and my while credit account is the evidence of the fraud by each credit reporting agencies that will be held accountable for these adverse claims against humanity.

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 2023-09-06
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX XXXX published my home address on this website in violation of the " privacy '' of complainants personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an account with Target credit card and the account was closed and charged off. I noticed the company is reporting the account information inaccurately on my credit report, so I reached out to the credit bureaus to let them know that the account is not reporting correctly and they continue to validate the account even though the information is inaccurate. I reached out to Target credit for the XXXX time on XX/XX/2021 and they failed to correct the account afteXXXX XXXX months of disputing this inaccurate account with them. They keep ignoring my request for an investigation. They refuse to delete the inaccurate information from my credit report. They continue to send me the same auto generated letters month after month in response to my disputes. They are reporting the account inconsistently. Each credit bureau reports this account differently. I found the FCRA 's XXXX 's XXXX that states that furnishers have specific obligations including reporting 100 % accurate information, not 90 % or 95 %. Target credit violated the FCRA by ignoring my request for an investigation and reporting inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-23
Company: Netspend Corporation
State: AZ
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 XXXX XXXX my Netspend checking account was charged XXXX. This transaction was done in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Posted on XX/XX/XXXX at XXXX AM Debit : ATM Cash Withdrawal at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX - {$400.00}. I contacted Netspend right away on XX/XX/XXXX. Netspend opened up a despite claim. I was told to email them a despute statement. In which I did on XX/XX/XXXX. Netspend did not give me a credit because they said I never emailed my despute statement. The investigation lasted till XX/XX/XXXX with the despute result as denied. Netspend stated that XXXX stated there was not an error in the transaction. I didnt authorize this transaction this transaction was done in XXXX  and I live in XXXX XXXX  XXXX Netspend has not emailed me nor send me the documents showing me the reason for the denial.

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 2023-07-27
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX and 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
Consumer complaint received 2023-09-09
Company: PENTAGON FEDERAL CREDIT UNION
State: WA
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:
An institution with name PenFed Credit Union had made a hard credit inquiry on my account without my consent on XX/XX/2023.

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 2022-05-04
Company: EQUIFAX, 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:
To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not supposed to share my information with third-party people. This is a clear violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: NY
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:
Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Problem with Credit Card Charge. Vendor use was XXXX XXXX XXXX, who then dispatch XXXX XXXX XXXX  ( XXXX ), who in term charge my credit card {$85.00}. I dispute the Charge because the initiate was to XXXX XXXX XXXX, that who I pay a monthly fee to protect my home. Shortly afterward, it was XXXX XXXX XXXX XXXX has a class-action lawsuit pending for fraudulent repairs- no repairs are NEVER DONE- Instead the repair is denied, and the Vendor charge credit card. ALL part the class action Attorney General lawsuit. See Attach. My Bluebird card end was close as I INCORRECTLY ACCUSED OF FILING A FRAUD DISPUTE. When actually Firms that facilitate fraudespecially against the elderlyneed to pay a price. XXXX firm may operate in the background, but theyre very much in FTC sights. I m filing a complaint as it is reason to believe that the named ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Phone : ( XXXX ) XXXX XXXX are violating the law and it should be noted to the Commission that these proceeding ARE NOT in the public interest, as they process KNOWN fraudulent charges given Attorney General fraudulent lawsuit, as part of a larger fraud scam.

Company response to consumer: Closed with explanation