BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: ZIONS BANCORPORATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is for transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, date cleared : XX/XX/XXXX, for {$120.00} My bank is Zions First National Bank, routing : XXXX I went to XXXX XXXX  on XXXX XXXX XXXX XXXX, XXXX, UT on Sunday, XX/XX/XXXX, around XXXX XXXX, and checked out around XXXX XXXX  During checkout, I paid by using my Zions Bank debit card, and decided to take some cash back for {$100.00}. 
The cashier till drawer was empty, and she only had {$100.00} bill. 
She gave me a brand new, crisp, {$100.00} bill, and it was an old series {$100.00} bill from XXXX. 
She said, she only have this {$100.00} bill. 
I was going to reject it, and asked for the new series, but there were a long line already, and decided to accept it. 
The cashier at that time said, she just opened her line, and took the till from the safe room. 
Also I thought, hey the bill was brand new and crisp, just older series. Also it came from the `safe room`. 
VERY BAD Mistakes on my end! 


When I looked at the bill in more detail, on Monday, XX/XX/XXXX, I noticed the bill : 1. has a wrong security strip that says XXXX, 2. has wrong watermark, from XXXX XXXX  bill 3. on the back, right corner of the bill, there is still some shadow of {$10.00} written. 

I went back to the store the next day, but neither the store manager, nor the store loss prevention care a little bit. 
I called my bank, Zions bank, and they will not help either Apparently no one ( merchant, and the bank ) care about counterfeit {$100.00} bill at all. 

On the same day, I went to the XXXX XXXX XXXX - US Secret Service field office, because this is a big issue ( which unfortunately the manager of the store does not think of an issue! ). 
I gave the counterfeit bill to the agent, and she immediately recognized it as counterfeit. 
I explained the whole story, of what happened, where I got it. 

She gave me the receipt of the confiscation of the counterfeit {$100.00} ( it is attached ). 

I opened a dispute with Zions Bank, my bank, and they closed it as " no error occured ''??? And I need to resolve this with the merchant directly, even though the merchant simply will not resolve this issue at all.

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 2022-08-25
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not even sure where this debt came from but my wife was deceased in XXXX and many Identity thefts went on so this is identity theft again. They have not contacted me back and I see them listed on my credit score.

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 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
File # XXXX I am no longer responsible for this account yet it still appears on my Transunion credit report. It has been removed from XXXX but not Transunion.

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 2022-08-11
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2022 my payoff amount for my loan was {$20000.00} and I paid {$180.00} on a {$130.00} bill ( {$50.00} over pay to go strait to the principle ). For my payment due on XX/XX/2022 my payoff amount is {$20000.00}. This math does not add up and I would like to know how I get an investigation looking into how Firstmark is operating I have looked at their reviews online and it seems this is an ongoing problem with this company and considering the current economic rescission this country is in a company like Firstmark should be held to highest of standers.

Who do I talk to to get Firstmark looked into for fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: ORG GC GP Buyer, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I contacted XXXX ( cell phone carrier ) to close my account. I spoke to a manager who informed me that I needed to pay a balance of {$82.00}. I paid this amount using my XXXX credit card ( statement attached ). I was told my phone would be unlocked in a few days, which it wasn't. I phoned XXXX on XX/XX/XXXX to find out why my phone had not been unlocked ; they put through the request again and a day or so later my phone was unlocked. I activated a new cell phone account with XXXX XXXX XXXX ( email confirmation attached ). 
I kept getting emails from XXXX indicating a balanced owed. I phoned on XX/XX/XXXX ( 17 minutes ) to once again ask XXXX to cancel my account. I received another payment request, but each month they were adding charges to my bill. I phoned on XX/XX/XXXX ( 22 minutes ) and the representative assured me that my account would be closed and remove any remaining balance ( Ref. # XXXX ). I assumed by now the matter was finally resolved. Not so, because I continued to receive invoices. One XX/XX/XXXX, I called XXXX ( approx. 45 minutes ) ( Ref. # XXXX ). I do not have a printed record of this call because my billing cycle with XXXX XXXX ends on XX/XX/XXXX. XXXX admitted that the account should have been closed in XXXX. Once again, I was assured my account would be closed. Two days later I receive a letter from a collection agency, GC Services demanding payment of {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2023 I deposited a cashier 's check valued at {$1400.00}, endorsed to myself from my partner into my Ally Bank savings account. My partner had closed an account with XXXX XXXX, received the check, then signed it over to me for reimbursement of other expenses. 

On XX/XX/2023 I noticed the deposit transaction was rejected. I called Ally to ask why, and they said because the original check was not made out to me they could not deposit it into my account. Regardless of it being endorsed to my name on the back and signed by my partner.

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 2022-08-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, and Equifax has failed to uphold that responsibility by furnishing/providing incorrect scores. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In accordance with the written instructions of the consumer to whom it relates. I never instructed them to furnish this report nor did i give consent to this report in the first place. 

The Below Accounts And Inquiries Are Fraudulent And Not Mines : Accounts : 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 2019-04-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened my Lowes credit card in XXXX. Since then I have charged and paid it off multiple times. With in the last year they increased my limit to XXXX. I charged and paid it off. They decreased my limit 2-3 in the last 6 months. I paid it off again in XX/XX/XXXX. They decreased my limit down to {$180.00} ... stating they checked my credit and its because of my score. My credit score is the same as it has been since Ive had the card. I just requested an increase back to XXXX and they denied it. I have 100 % on time payments on my credit report. I find that their constant credit checks multiple times a year to be intrusive. Also raising someones credit limit then when they pay it off to lower it is also hindering someones credit score. I dont feel what they are doing is legal nor right. I want this looked into. How many times a year can a credit card company lower and raise a limit? How many times are they allowed to check your credit in a year? If a customer is paying their bill and the limit never carries long then why would you treat them in this manner? They already charge extremely high interest ....

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: AR Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 {$450.00} owed AR Recovery Resources I have disputed this matter 4 times and contacted company and they can not tell me who thebcollection agency is butnit is on my credit report and i have not had any debt collectors since my chapter XXXX bankruptacy 3 years ago. So thisnis not my account and it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Ripple Labs Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I purchased a total of {$500.00} US Ripple XRP 'S in XX/XX/2013 From Ripple Labs Inc. in XXXX XXXX, Ca. They were purchased with funds from my personal bank account through XXXX and placed into a Ripple 's Wallet : there were two or three transactions. It amounted to approximately XXXX Ripple XRP 's. XXXX credited extra Ripples for using their service. 

I was never notified of any changes and trusted this company explicitly to store my funds and be accountable. During the Spring of last year I found that the Ripple Wallet no longer existed. They directed Ripple XRP wallet holders to a new Wallet.  It was located overseas, I believe : called XXXX. They permanently shut their old Ripple wallet site down. 

I have followed all the instructions Ripple gave me on their website and have set up a XXXX Wallet. The migration directions do not work for me. I receive an error message that states my username does not exist. It should exist. 

An instructional e-mail stated I should use my secret key, which I have kept secured. I used the secret key as directed. I received an error message stating my secret key was invalid. My secret key should be valid. I never took any Ripples out. My Ripple wallet was never closed. 

Could you please assist me in receiving the Ripple XRP 's that I purchased in 2013. I will be happy to provide my username and password or the secret key or any relevant e-mails I have received from Ripple or XXXX regarding these transactions. 

Ripple has no way to communicate with customers with the exception of e-mail that does not answer the question as to what happened to my Ripple XRP 's. 

Please help me resolve this matter. 

Thank you!

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 2021-09-12
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XXXX of 2021, the consumer applied to creditor Citibank , N.A . ( through XXXX XXXX XXXX ) to obtain a line of credit/extension of credit. On XX/XX/2021, Citibank , N.A . denied the consumer 's application for credit extension. The consumer applied for credit with the creditor in an effort to afford service needed for a XXXX XXXX in which the consumer currently provides payment on a loan for.

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 2021-04-06
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: Information belongs to someone else

Complaint:
There are three accounts on my credit report that are not mine I have tried disputing this with the bureaus and they are not helping me out with this I need these taken care of right away because it's causing me great stress and I dont want to get sick over someone elses mistakes. 

XXXX XXXX- Acct # XXXX Amt {$9600.00} XXXX XXXX XXXX - Acct # XXXX Amt $ - XXXX XXXX XXXX Acct # XXXX Amt $ - INQUIRIES XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reported identity theft fraud to XXXX XXXX XXXX XXXXXXXX and they refuse to remove the fraud from my name and from the credit bureaus.

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 2020-09-11
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2022-12-14
Company: Experian Information Solutions Inc.
State: MS
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:
Credit report shows on my XXXX XXXX I owe {$400.00} and a Credit Limit of {$2000.00}, incorrect information! I owe {$97.00} and my Credit Limit is XXXX! I have not owed {$400.00} on this Card. XXXX XXXX Credit Card shows I owe {$25.00} XXXX paid my XXXX XXXX Card off on XX/XX/ I owe {$0.00}. This is false reporting on my Credit Reports by XXXX, Experian and 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 2020-07-31
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:
AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE TO SOMEONE USING MY IDENTITY. AS I AM TRYINGB TO GET THAT TAKEN CAR OF, I DECIDED TO GET MY CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS AN UNKNOWN ACCOUNT THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE.

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 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My previous CFPB complaint ID is XXXX. ( TRANSUNION ) XXXX. ( XXXX ) XXXX. ( XXXX ) Also, XXXX XXXX  Account Number : XXXX CFPB Case Number : XXXX I will file a complaint again because it has not been resolved yet. Anyhow, I have received a confirmation letter from XXXX XXXX on XX/XX/XXXX. 

They told that In your letter, you indicated our credit furnishing is still showing as Settled in Full. We regret any inconvenience this matter may have caused. As a result of your inquiry, we have asked the credit reporting agencies to update their records regarding your XXXX auto account to reflect it as Paid in Full ''. 

But after 30 days I looked at the credit reports for each agencies and found out that they were still not yet correct. 

Please, refer the following statements to my previous complaints. 

- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX  XXXX " Completed investigation of FCRA dispute - consumer disagrees '' AND TRANS UNION XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX  " Account paid for less than full balance. '' Thank you.

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 2021-11-02
Company: Experian Information Solutions Inc.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, About a week ago I signed up for Experian with my email address to check my credit. I found some errors that my X-wife had not rectified and corrected those. About a week later I received an email from Experian advising me that my email address had changed. It gave me a link to click to resolve the issue. I could not access my account because my X-wife had changed the email to hers. I tried to recover my username/ password using my SS # and DOB XXXX but again, this information is being sent to my X-wife 's email address. Needless to say I have zero contact with my X. 

I contacted three different phone numbers for Experian, but all were the same phone maze that would not connect me with a live person, but directed me back to the website to repeat the action noted above. I have had several email exchanges with Experian, but they keep sending me back to the website to repeat the same action noted above. 

I added fraud alert to my Experian account and gave them my money, but not sure that helped. I tried to add a freeze to my credit, but again, I don't know if that has been activated. 

I have also advised my lawyer. 

I just need someone from Experian to call me or actually help me recover my account.

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