BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I contacted u.s. bank reliacard regarding fraudulent transactions on my account. I was advised that I would receive the dispute forms within 5-10 business days. When I seen I hadn't received them by the 8th day I contacted them for a fax number to send a written form. The fax number I was given was XXXX, I sent in my written statement on XX/XX/XXXX. I then noticed my account hadn't been credited the amount of {$480.00} in which had been compromised to my account. On XX/XX/XXXX I received a denial letter dated XX/XX/2021 stating my claim had been denied. Based on the terms and conditions on the cardholder agreement once the form had been received by the bank ( written or sent by the bank ) within 10 business days of opening the dispute I would be credited the amount of loss. The dispute resolution team denied my claim on the sixth business day, not allowing the full 10 business days to adequately investigate or compensate my account. It also states investigations could take 180 days to be complete. I feel as though this company denied my claim prematurely in order to not have to compensate me. I have spoken to many agents and supervisors stating they would figure out what's going on and that they believe this case was not investigated. I am requesting that they provide my provisional credit of XXXX dollars and that they do a complete investigation. As required by the cardholder agreement.

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 2023-04-26
Company: EQUIFAX, INC.
State: FL
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Duncan Solutions, lnc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was contacted by PAM Professional Account Management on XX/XX/XXXX for amount of money owed to XXXX, the tolls they provided in the documents were invalid, my car tag number was accurate, I had the previous day paid my account in full through my monthly billing on my credit card, I sent a letter requesting validation of the debt and disputed it and requested more information on the debt. I received a letter stating the debt was correct and provided a different contact number for the agency. I have contacted the XXXX  and reported this information to them and am making this report. 

XXXX Debt owed was XXXX Return address provided XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX Violation # XXXX Account # XXXX Stated was not to contact XXXX regarding the debt. 
on XX/XX/XXXX Violation # XXXX Account # XXXX Amount due {$210.00} Letter received indicated they could be reached at XXXX Please let me know I can further dispute this debt.

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 2022-07-17
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
First Bank XXXX Colorado ( 1st Bank ) did knowingly and without my knowledge or consent allow the withdrawal of 100 % of the funds in my savings and checking accounts to be withdrawn via a garnishment, which I was not made aware of. I was never served with a Complaint, never advised of a Judgement against me nor was I served with a Writ of Garnishment, which is required by law. Further, 1st Bank refused to provide me with any information about the Garnishment, and debited my accounts in excess of {$11000.00}, which is approximately {$4600.00} MORE than I had in both accounts combined, resulting in an overdraft on my checking account of over {$5000.00}. Again, they willfully refused to provide me with details of these transactions, and charged me a {$150.00} processing fee additionally. My accounts are now frozen, the bills I had paid are going to be returned NSF and I was never given proper notice. Again, I was not aware of this action and only became aware of it when trying to purchase groceries at XXXX and having my debit card denied. I was paid on Friday, XX/XX/XXXX and I checked my balances via the automated phone line at approximately XXXX. I had an an available balance of {$3400.00} after being paid my salary of {$2600.00} plus an expense reimbursement check of {$450.00}, and the existing balance. I began paying my monthly bills to my electricity and cable providers, cell phone, car note and credit cards in the amount of approximately {$2300.00}. Sometime that afternoon, XXXX Bank, without informing me, froze my accounts, withdrew the previously mentioned monies, yet somehow allowed a withdrawal from XXXX at approximately XXXX XXXX to go through for {$26.00}. Now, all of my bills are going to bounce, and again, I was never given legal notice of such actions, and they refuse to provide me with any details. I have been a customer of XXXX Bank for over 20 years. I am considering legal action and the possible involvement of the media via consumer affairs reporters at my local new outlets and contacting my elected representatives regarding the violation of state and federal banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX. I was going threw my credit report and saw that a account by the name of XXXX ACCT NUMBER XXXX is on my credit report. I know nothing about this account and I file a identity theft report. i also send Experian the identity theft report but I haven't receive any feed back yet and it been over 30days my TRACKING NUMBER for this dispute XXXX XXXX XXXX XXXX XXXX XXXX. By the post office. Also here are some laws that this account is VIOLATING my consumer rights of Privacy 15 U.S.C 1681 Procedure in case of disputed accuracy ; Section 2 Prompt notice of dispute to furnisher of information 15 U.S.C 1681- Treatment of inaccurate or unverifiable information 15 U.S.C 1681s Responsibilities of furnishers of information to consumer reporting agencies

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 2023-04-26
Company: Experian Information Solutions Inc.
State: FL
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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

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 2022-07-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called to TD bank todaa XX/XX/XXXX to submit a dispute but the representative denied that saying that is out of 60 days. But she didnt care about the expected delivery date was XX/XX/XXXX. 

Transaction 1 : XX/XX/XXXX, {$870.00} XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. Must be delivered on XX/XX/XXXX. 

Transaction 2 : XX/XX/XXXX {$860.00} XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Must be delivered on XX/XX/XXXX. 

I tried to reach the merchant several times starting on XX/XX/XXXX without success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently applied for a XXXX XXXX XXXX, XXXX World Mastercard card. I was denied the card based on outdated information used by XXXX XXXX XXXX. My current credit history shows no judgements, they are basing the denial on outdated accounts, an information that has been deleted from my credit report.                  My current credit scores with the major 3 reporting agencies shows my scores are all over 800. I currently earn an income of over $XXXX  dollars.  I feel this in violation of the Federal laws, also I have been a customer of XXXX XXXX XXXX since XXXX. I am a retired military veteran (XXXX).                  I feel this is a discrimination, based on my age, and ethnicity, the wording of the rejection insults my intelligence and shatters my belief in the american dream, that if you work hard, acknowledge your mistakes you can achieve your financial dreams in America. I would not have filed this complaint if my credit scores and my savings were not good. But to deny me this credit card based on old information and not my current credit score is just wrong. I am hoping your office can get XXXX XXXX XXXX to recant this decision or explain their interpitation of federal law. I am attaching a copy of the rejection letter for your review.Very sincerelyXXXX 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 2023-10-17
Company: Incomm Holdings Inc.
State: WA
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:
On XX/XX/2023, I purchased a Vanilla Giftcard in the amount of {$500.00}. When I went to use the card, it turned out to be a fraudulent card. I reached out to Vanillagift.com and was instructed to send over pictures of the card to the following email : XXXX. 

It has been almost 4 months since I heard back from them and the case is still open, which is XXXX # XXXX I always check the gift card prior to purchasing, and outside of opening it in the store prior to paying, I wouldnt have known this was fraudulent. Also, the card has a hologram on it which the previous Gift cards do not have it. I often buy the Vanilla Gift cards and this is the first time Ive seen this hologram. Please see attached pictures of the following : A. Receipt and authorization note saying card is activated. 
B. Gift card as it was when I opened. 
C. Front of Gift card showing hologram. 
D. Gift card showing the barcode separately as it fell off. 

I highlighted the receipt authorization with the correct card number and also highlighted that same number from the card to show this transaction is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX 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 reports no consent is fraud.

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 2015-04-27
Company: Paypal Holdings, Inc
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I attempted to make a payment using my mobile PayPal account on my phone. When I thought I had sent the payment I was enrolled in the PayPal Credit program and the very small payment ( appr {$22.00} ) was paid by a " pre-approved '' PayPal Credit. I would n't have even know I was enrolled unless I had received an email " Congratulating '' me! I NEVER intended to enroll and there was no XXXX verification step to confirm I wanted to. 
The problem is, I am in the process of securing a mortgage and trying to maintain a high credit rating. PayPal through this process has submitted a " hard '' credit check on my credit report which could hurt my credit rating as well as my ability to secure the loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
( Citizens Credit Card ) In XXXX XXXX  XXXX I had received an email of suspicious activity on my account that an XXXX XXXX  XXXX  charge and to call fraud services. I called and confirmed that was not a charge I had ever made. Citizens fraud service cancelled the card and removed the charge from my statement and issued a new card. Fast forward to XX/XX/XXXX. Unbeknownst to me my account shows an approved charge of {$10000.00} to XXXX XXXX XXXX I only discovered this after failing to buy groceries on XX/XX/XXXX and my card was declined. I had tried to call fraud services for 48 hours until someone finally answered on Saturday morning! ( I have proof of calls made and time spent on hold ). The gentleman I spoke with said I maxed out my account! Uhh you dont say Im calling fraud services for a {$10000.00} charge approved by your company on an account with a {$2500.00} credit limit. Mind you no communication was ever made. The gentleman said he put in a claim and I was not responsible for that charge. He was not professional and seemed unfamiliar with processing a claim. I called the following day to get a claim number so I could have some sort of documentation, the woman I spoke with said a claim is not on record and she was more helpful and provided me a claim number. She had said that I was not responsible for the amount and that it would not show on my statement. Well I just got my statement and it indeed shows I am still responsible for this amount. I am so disgusted with how Citizens has handled this issue. And under further investigation by myself that {$10000.00} charge that was approved has the last 4 digits of the original card that was supposed to have been cancelled!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

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 2023-08-28
Company: LFG Data Services Holdings, LP
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:
XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation