BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2019 I financed a mattress from Matress Firm via Synchrony credit. I never received a card in the mail. My payments were due starting in XX/XX/XXXX. I have had to call each month to request a card. XX/XX/XXXXI called and they said a new card was issued. I am unable to set up an online account because without the physical card they say they can not provide that information over the phone. It is now XX/XX/2019 I still did not receive my card. I called again and the rep said a card was issued in XX/XX/XXXX. So every time I have called they have done NOTHING. I cant see any information about my account and I feel like they are running a scam because its been 4 months and as the consumer I cant see anything thats not right

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 2017-04-15
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Rewards

Complaint:
cit bank cards has DELeteD reward points from online account. 

check online account nd XXXX reward points have been REMOVED ILLEGALLY from my account. 

Citi Bank is untrustworthy and attempting to deny my earned reward points

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 2023-07-17
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX Accounts 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
We applied for and opened two credit card accounts with Bank of America as a result of a fraudulent transaction. We own a time share in XXXX ( XXXX XXXX XXXX ) and were touring a different time share property. We declined to purchase the other time share but were referred to another area of the company where they offered to purchase our time share in exchange for joining their membership club. We were told they would purchase our time share property for {$39000.00} if we paid {$13000.00} for the membership via applying for an XXXX XXXX XXXX signature card through Bank of America. 

We agreed to this transaction solely on their promise to purchase our time share property. We kept up with our side of the agreement by applying for and receiving credit accounts to charge for the {$13000.00} membership fee and providing them with the contract/proof of our ownership of the timeshare. However, after several weeks where we received no further communication with the company and after several telephone calls and email attempts to contact them, the purchase of our time share never happened. 

We believe that Bank of America participated in this fraudulent activity by providing the credit for payment of the {$13000.00} membership fee even though the time share company never had the intent of purchasing or time share property to start with. 

Details : Date of Transaction : XX/XX/2016 Company : XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX Credit Card - XXXX XXXX XXXX signature card via Bank of America

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Bread Financial Holdings, Inc.
State: OK
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:
COMENITYCAPITALBANK/XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Additionally, I exercise my right to opt out of any and all authorization I the federally PROTECTED consumer may have given COMENITYCAPITALBANK/XXXX whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: U.S. BANCORP
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 at approximately XXXX MST, I received a call from US Bank Card Member services. Agent calling asked if I was XXXX XXXX..I answered by saying Who is this ... The agent the proceeded to tell me who she was and the amount of the debt owed and asked me for payment. When I asked her why she told me all this without verifying its me she got hostile so I asked for her supervisor but she hung up. I called XXXX XXXX member services back and spoke with a supervisor who said she will follow up with me in 72 hrs. Later I get a call back apologizing for the issue and promised it wont happen again. ( also kind enough to waive the late fees ). Today XX/XX/XXXX at XXXX MST I get a call from US Bank Card membeXXXX services Again agent asks for XXXX XXXX again I answered Who is this? The agent went on about who she is amount of the debt days late and asked for payment ... Like the previous agent I asked her why she released all the information without verifying. Again agent got hostile and hung up before i had a chance to ask for supervisor. I called back to talk with a sup whom didn't sound all to helpful but still gave me the information i needed to get this report done.

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 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter to the credit bureaus on XX/XX/XXXX, disputing 3 errors on my credit report. THey were supposed to investigate and respond by early XX/XX/XXXX, but they have not.

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 2017-10-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX17 - Using the MoneyGram website I made a transfer to my sister in PR as she needs the $ right away due to the emergency in the island. I made the transaction for {$350.00}. The company took the money from my checking account in a few minutes and made available for pick up. However, when my sister went to get the money the MoneyGram at XXXX in XXXX PR said that they have a restriction and that the amount can not be for more than {$150.00}. That I have to split the transaction. I called MoneyGram they can not split the money right away. Then, they recommended to go to XXXX in XXXX to pick it up, but I called XXXX and they said the same thing. I called back MoneyGram, and apparently XXXX will be able to give the $ to my sister.  As soon as she can call me I will communicate this to her. My complaint is that : 1 ) MoneyGram website did not mention the restriction before taking the money 2 ) If I request a refund I have to wait 10 days to get it back in my account 3 ) I paid {$36.00} for immediate delivery of funds ( which they do not want to refund ) 4 ) this is a real emergency there is limited communication and my sister needs the money for her family NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a large deposit of {$150000.00} was made into my account at Wells Fargo bank. The receipt provided for the transaction stated that {$400.00} of your deposit is included in your available balance. XXXX, XXXX will be available on Friday XX/XX/XXXX. On Saturday, XX/XX/XXXX I verified online that the deposit amount was available. At that time I used electronic payments to pay a number of bills. On Monday, XX/XX/XXXX when I logged on around noon it showed my account had been overdrawn and the deposit was no longer available. I called Wells Fargo bank and they told me that a hold had been placed on the deposit. No one could explain why the Deposit was available for several days and the receipt stated the full amount would be available on XXXX I did not receive an email indicating a hold would be placed until Tuesday, XX/XX/XXXX and as a result of this payments were returned to a number of creditors. This has had an adverse impact on my credit and is resulting in a number of fees. I filed a formal complaint with Wells Fargo and was told it would take 10 business days to respond. I should be able to take actions based on the written information provided to me by Wells Fargo that stated my deposit was 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 explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX XXXX I am filing this complaint due to numerous things I found own my credit report that were passed the statute of limitations that negative accounts are allowed to stay on credit report, and accounts within accurate information being reported on my credit report that is harming my scores are just not accurate. 

I am requesting these accounts and hard inquiries be removed immediately. I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy. 
15 U.S.C 1681 604 A Section states. It also states that a XXXX XXXX can not furnish an account without my written consent. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX Date XXXX : XX/XX/XXXX. These accounts are passed the statute of limitations which is 7 years a negative account can stay on your credit report based off Fair Credit Act. All of these accounts listed above are well passed the statute of limitation dates. Therefore, these accounts should have already been removed from all three-credit bureaus Transunion, XXXX, and XXXX. 

These accounts are report in accuracies on all three credit bureaus. I never opened an account with these companies, never signed an agreement to open an account with any of these accounts. 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 XX/XX/XXXX These inquiries were not authorized to appear on my credit report, I did not apply, nor did I sign any documentation for any credit with these companies listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a clear copy of my credit report. You will see all of the in accuracies highlighted in green on my credit report. You will see that they're not reporting with accuracy on all three credit bureaus. I have also attached my Georgia License, and clear copy of my social security card.

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 2018-05-22
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been on the Do Not Call Registry for about 4 years now and I am getting calls from debt collectors when I have NO DEBT!!! There is NO excuse for them not obeying the law & failing to update their databases. This recent call is from NCB Management at XXXX. There have been others with different numbers but not sure if from the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received repeated telephone calls from a caller identifying itself as Goldman Sachs, the two most recent from XXXX XXXX. The caller claims that I owe more than {$500.00} to Apple for purchases made on an Apple credit card. Because I have done business with Apple in the past, I called and was assured that I have no outstanding balance and that Apple does not request payments by telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I called Bank of America on XX/XX/XXXX to ask them if I can deposit a third party check into my checking account, they asked the amount {$2000.00} and if I had ever had a check deposit return and I said no and I was told that I could deposit the check as long as it was endorsed by the third party. I deposited the {$2000.00} dollar check into my account on XX/XX/XXXX as instructed, the check was made out to my neighbor and he endorsed it and wrote deposit to # my account number. On XX/XX/XXXX I wake up to find out the check deposit was returned and now I am being charged a bunch of fees 4 {$35.00} overdraft fees. This is a deceptive practice becase I was given incorrect misleading information. I am also a military veteran and single father of XXXX kids, I called Bank of America and they offered no help, they expect me to be overdrawn without gas money or food for 10 days while I wait for snail mail to send me a legal copy of the check. Bank of America offered me zero help, and only offered me an empty apology. They are not willing to waive fees even though they advised me their own employee gave me incorrect information.

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 2023-09-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an American Express Virtual Reward Gift Card for {$26.00}. It is for online use only and has been rejected by every merchant Ive tried to use it with including XXXX and XXXX. All attempted purchases have been for less than the available card balance. Customer service has said repeatedly that it will not work anywhere that requires a billing name and address- which is everywhere!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28
Company: Kornerstone Credit,  LLC.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
i have been verbally abused by this company security credit services and need my credit report to be updated without their account on it i never went into a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Financial Management Solutions, LLC
State: MD
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 in contact with this company in XX/XX/XXXX about their incorrect charge from a management company. I was spoken to very rudely each time I tried to explain the problem. I finally sent them a letter explaining that I didn't owe the money and I even sent the letter 60 day notice letter I had given to the original management company I also sent a cease letter at that time. Ultimately at that time all calls stopped and the erroneous information was removed from my credit file. However the information reappeared on my credit file in XX/XX/XXXX and all calls begin again. I contacted the original management company and was they have no record of the debt. I have disputed this at least 3 times with the credit bureau but they continue to them this is mine. How were they even able to put this back on my credit after several years?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My concerns with XXXX and their unfair credit reporting processes. 
I paid my account within 30 days ( XXXX and XX/XX/2019 ) and was reported late. 
The account was never late.

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 2023-09-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
{$450.00} prepaid annual membership fee was charged to a credit card that was already closed prior to the renewal date on my XX/XX/2023 statement. Citibank refuses to remove the charge and previously stated that it will be credited it back to my card after I pay it. They are requiring me to give them money I do not owe for services never provided, under threat of charging me addtional fees, interest, and ruining my credit if it is not paid.

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 2023-04-18
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX  XXXX Date Opened XX/XX/2014 Balance {$35000.00}

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 2019-07-23
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Issue : My mortgage payments are not being reported to the Credit Bureaus XX/XX/2019 - Sent a letter to my bank, Webster Bank, informing from that my mortgage payments were not reflected on my Credit Bureau files and requesting that they correct the situation. 

XX/XX/2019 - Received a letter from Webster Bank stating that since my obligation to Webster Bank was never reaffirmed following my bankruptcy filing Webster is not obligated to report my payments and the Credit Bureaus may suppress my payment history or no longer show the mortgage on the credit report. I checked with my bankruptcy attorney and he confirmed that the judge approving my bankruptcy would have never allowed my reaffirmation As stated in this letter from XXXX, my payments have been on time. 

XX/XX/XXXX, XXXX I sent letters to each of the XXXX major credit bureaus enclosing my payment history from Webster Bank requesting this payment history be reflected on my credit files.. 

XX/XX/XXXX, XXXX Upon receiving responses from each of the credit bureaus, I sent Webster Bank a letter showing them the response from each of the credit bureaus confirming that they are not receiving my payment history therefore not reporting it. 

XX/XX/XXXX, XXXX Webster Bank responded that they are not obligated to report my payment history and then states that the loan gets suppressed by the credit bureaus and no longer will show on my credit report

Company response to consumer: Closed with explanation