BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 ufc 168. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have violated my rights. 

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 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 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 2019-01-23
Company: Experian Information Solutions 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 was a XXXX  in an LLC. We opened a bank account at XXXX  and they asked if we wanted a credit card. We said, only if will not affect our personal credit because we new that starting a new business it had the potential to fail.

The banker told us that it would only be on the companies credit report. A year later, we had to close the business and the unpaid credit card showed up on my credit report.

I contacted XXXX  and they said that the banker shouldn't have told me that. There policy is to report it on a personal account.

Not that I want to ruin the credit of my partners, but this makes no sense. Pick one partner to report it on their credit.

The purpose of an LLC is to protect your personal accounts and keep your business and personal account separate.

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 2023-06-15
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$5700.00}.

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 explanation
Consumer complaint received 2021-11-01
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In early XXXX I called XXXX because I wanted to close my account and unlock my and my husband 's phones so they could be used with our new carrier. 

I spoke to several agents online, and they informed me that there was a {$480.00} balance that had to be paid first before they unlocked our phones. I paid the balance right then, as I was talking to them in an online chat, and they confirmed my account was now {$0.00} and that it would take 24 hours to unlock our phones and they would be unlocked and ready to use with a new SIM card the next day. 

I SPECIFICALLY verified with them that both my and my husband 's phones would be unlocked and ready to go, and someone claiming to be a supervisor confirmed. 

The next day, neither phone was unlocked, so I engaged with them again. This time they SPECIFICALLY confirmed that my account balance was {$0.00} and that my account was canceled. This was in chat, so they should have a transcript. They apologized profusely, and since I needed my phone for work, they this time successfully unlocked it. 

The problem was that they did not unlock my husband 's phone, even though I specifically asked whether the account was closed for both phones and so I had to engage with them again. But during that conversation, they once again confirmed that I paid everything that needed to be paid. 

In none of those conversations was anything mentioned about an extra balance, or even the possibility of us owing any more money. They SPECIFICALLY confirmed in conversation 2 of 3 that my balance was {$0.00}. Then they began sending emails demanding {$360.00}. I called to find out what was going on and why they were claiming I had a balance even though they confirmed there was no balance, the account was closed, and that no more money was owed without informing me of any kind of possibility of extra charges. The person I spoke with said they would raise the issue with their supervisor. I thought that was the last I would hear from them. But they continued sending emails and then they got a collection agency involved, which is now impacting my stellar credit score. 

I contacted Convergent, which is apparently the collection company XXXX is using . They asked for my side of the story, then within days said, " Nope, you lose. Pay XXXX. '' I have had zero insight into what kind of information they used to determine that I owe XXXX anything further, and there has been zero transparency into the process.

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 2023-04-16
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX XXXX XXXX, Marcus GM Rewards Card by Goldman Sachs sent me an e-mail special offer stating that if I opened a new GM credit card account and spent {$1500.00} in fuel per calendar year, I would receive a {$100.00} statement credit. Thus, I accepted the offer and made {$1500.00} in gas purchases by XX/XX/XXXX, which was three months earlier than the expiration date. 

In XX/XX/XXXX, I called GM Rewards Card customer service to inquire why there was no {$100.00} credit shown on my statement. The representative I spoke with told me that it would take 2 billing cycles for the {$100.00} credit to be deposited into the account. On XX/XX/XXXX, there was still no {$100.00} credit deposited into my account, so I called to inquire about the matter. The bank representative XXXX XXXX ) did not know why there had been no deposit yet into my account, so she decided to open up a case regarding the issue ( XXXX XXXX : XXXX ) and informed me that a bank specialist ( XXXX ) will contact me in 3 to 5 days. I waited for the phone call, but no one called. 

On XXXX XXXX XXXX, I called again and asked to speak to the manager ( XXXX XXXX, and he promised that he would call me back by the end of the day with a resolution. I never received the phone call on that day, and its been almost a week and no one has contacted me. 

Bucking responsibility and forgoing accountability is one thing, but to personally promise a customer that you will take care of the issue and never do so is beyond poor service. I understand that mistakes happen, computer failures occur, and things cant always run as smoothly as planned. However, I dont understand the lack of customer service that I received. I felt disregarded and unvalued, much to my disappointment and consternation. 

Providing the best banking service, or even just plain old good service, instead of the service itself will undoubtedly make a difference. Never forget that todays customers expect and demand to know how their money is handled. Failure to provide answers to a customers questions or inept management that could care less about anything except their inflated egos will only bring loss of business. 

I still haven't received the {$100.00} promotional offer that I was promised, even though I fulfilled all the requirements within the first calendar year of my account opening. This bank is unscrupulous and is manipulating customers through false advertisements, deceptive representations, and omissions. This corporate conduct is illegal and corrupt. An examination of this bank is very much needed. 

Thank you for your time and attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
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:
There was an error at the point of sale terminal that resulted in the same transaction being charged to 2 credit cards. 

The merchant is aware of the issue, but did not receive payment from my bank USAA Federal Savings Bank. I disputed the transaction with USAA and sent documentation to USAA on multiple occasions. I have emails showing the documents were received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In addition to uploading the documents, I also mailed them in XX/XX/XXXX and fax them in XX/XX/XXXX. 

USAA is stating that when the documents were faxed in XXXX of XXXX that it was beyond the deadline. I sent the same documents multiple times and each time they were lost. 

I have followed all the direction I have been given and worked their process. I have called at least a dozen times with some calls lasting more than and hour to followup. USAA is now saying that I need to pay {$140.00} on top of all of this hassle and the {$5.00} XXXX spent on printing and faxing.

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 2022-09-24
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:
On XX/XX/2022 I disputed collections that were on my credit report that I had not been aware of. The company XXXX XXXX XXXX can not produce any type of contract that I XXXX XXXX have or had with them. Experian removed one collection from my report but not the others which are from the same company.

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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX IS REPORTING AN ACCOUNT ON MY TRADELINES THAT I AM DUSPUTING. I SPOKE WITH A CUSTOMER SERVICE REPRESENTATIVE NAMED XXXX ON XX/XX/2020 WHO STATED THAT THIS COMPANY DOES NOT HAVE THE ACCOUNT. IF THEY DON'T HAVE THE ACCOUNT HOW ARE THEY REPORTING LEGALLY?

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 2022-09-24
Company: Experian Information Solutions Inc.
State: NY
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  Account 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 2023-05-25
Company: Experian Information Solutions Inc.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 has violated my rights. Or a 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 an 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 2022-10-09
Company: EQUIFAX, INC.
State: MA
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 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 has violated my rights. 
15 U.S.C 1681 section 602A. state i have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: CITIBANK, N.A.
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had transferred {$3000.00} from XXXX XXXX to Citi Savings account on XX/XX/XXXX. Citi had some issues on their end and they blocked the posting of the funds. I called 3-4 times to see why funds weren't posting when XXXX XXXX had informed me that they had sent the funds already to Citi. Finally, onXX/XX/2019, Citi found the issue and corrected it and my funds posted on XX/XX/2019. However, this resulted in my losing interest on my money from XX/XX/XXXX through XXXX, wherein neither XXXX XXXX ( as  they had already sent the funds from the bank to Citi ) nor Citi paid me interest. I want my interest for 7 days to be provided by Citi at the best APR available.

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 2023-06-22
Company: Associated Credit Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In mid XXXX  ( XXXX ) we moved into our apartment, got offered through the company XXXX XXXX for water deliveries, coming straight to the door and a water dispenser. Had them for about a year and found out I was deploying in XXXX of XXXX so I moved my wife back to family in Florida transferred the account where we continued the account for about 5 months before my wife moved back up because I was coming home. Canceled the account in that process and verified on multiple accounts that our account was paid in full and that there would be 0 surprise bills, all were negative, everything was paid, and no bills would come. Now, we've been getting calls from a debt collector saying we owe XXXX of dollars, we owe on the water dispenser, we owe for late fees, and the company can't even get into our account to tell us what it is we owe on. I've looked into this problem through XXXX XXXX and it has apparently happened to multiple people, same problems cancelling accounts, somehow months later their account isn't cancelled its suspended for missed payments. I would like this to be solved to prevent scares to other people who as well thought this would be a great deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX Balance : {$680.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/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 2023-06-22
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
OnXX/XX/XXXX, using Zelle through my bank 's app ( XXXX XXXX XXXX ), I attempted to transfer funds to my spouse. Unfortunately, the phone number was off by one digit and the funds went to an unknown individual. I contacted my bank the next day ( XX/XX/XXXX) to begin an investigation to recover the funds. I received a letter from the bank dated XX/XX/ stating that " the funds were not available to reclaim from the receiver. '' On XX/XX/, I contacted my county 's sheriff 's department to file a complaint/case. I received a call from a sherrif 's deputy on XX/XX/XXXX stating they could not identify the person to whom the funds were sent and thus could not recover the funds. In between these dates, I attempted to contact the number to which the funds were sent via calling and texting with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Account information incorrect

Complaint:
I was never late on the paid-off account listed above please show me documentation proof of transaction, showing i was ever late to support your inaccurate reporting on my account if you can not support supply this please delete this alleged late payment from my credit report this is an invalid late payment please note that the FCRA allows 30 days for this to be rectified

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 2021-10-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
on XX/XX/2021 at XXXXpm eastern time, I received multiple emails to one of my accounts, XXXX, from wells fargo telling me my account had been successfully created. Basically a welcome package. I immediately called their fraud department and opened a claim, however their weak anti fraud practices made it impossible to take any actual action against the account since it was " after hours ''. 

One major factor in allowing this to happen was a lack of basic security protocols. They let someone use my email address to open an account without ANY email verification at all. You can't download free software without confirming your email address, yet Wells Fargo just accepts any email with no questions asked. The fraudster had no access to that account, the logs show nobody other than myself had accessed that account. There was no " confirm your email address '' email ahead of the several welcome emails, and within 7 minutes the address was changed to a gmail address. Again this raised no red flags internally, Wells Fargo ignored yet another crucial action that had fraud written all over it. 

Only today did I get a call from somebody in the executive office, telling my case should be closed out by the XXXX of XXXX, and that the 2 accounts in my name had been frozen. I told the person who called, that this could have been avoided with a basic security 101 action of confirming the email address used to create the account, that comment was met with silence, then she just started to read from a script again, seeming unaware of what address was actually used to set up the account. This is a huge security hole and pretty much turns wells fargo into a massive identity fraud factory.

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