BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-08
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:
These inaccurate accounts are reporting on my credit file : 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 non-monetary relief
Consumer complaint received 2020-05-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
US Bank systematically is cheating its customers by officially offering a cash bonus in exchange for fulfilling certain conditions and after the conditions are fulfilled by the customer every effort is made not to pay the bonus, particularly and specifically claiming the promotional code " can not be found ''. US Bank twice in a row used this tactics with me, refusing to pay a bonus upon opening a checking and a saving account - even so in both cases the accounts were opened through a US Bank promotional web page with the promotional codes properly entered. 
About a year ago after opening a checking account and fulfilling my conditions ( direct deposit ) I was told the checking bonus XXXX {$300.00} XXXX would not paid because promotional code " can not be found ''. 
After exchanging a number of e-mails, additional attempts were made to claim every other condition " was not fulfilled '' - even so they all were, which I systematically proved. XXXX effort was made to avoid the payment and only after repeated complaints the bonus was paid - after delaying as much as possible - well past the deadline stated. That was a year ago. 
This year, I opened a savings account with a bonus promised XXXX {$200.00} XXXX - and after fulfilling all the obligations ( maintain the balance ) received the same answer - " no promotional code '' and the bonus would not be paid. 
This bank is taking advantage of the difficult pandemic times to avoid their obligations. Every effort has been made to avoid communication - the phones get disconnected after long wait, customer service hangs up on you, refuse to identify themselves fully ( XXXX, XXXX, no last name, no ID ), do not return calls as promised. I have spoken to a number of people who identified themselves an managers, promised to " investigate '' within 3-4 business days and never did anything, Among them XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) - both promised to " investigate '' - no response whatsoever. 
I HAVE ALL THE E-MAILS FROM A YEAR AGO AND NOW to prove they use this tactics systematically and repeatedly! 
This information should be made as public as possible so people stay away from this disgusting bank.

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 2019-05-31
Company: Social Finance, Inc.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I recently opened a checking/saving account with Sofi. In early XXXX, I attempted to make a deposit to the account using Sofi 's smartphone app ( Sofi does have brick and mortar outlets ). Upon completing the deposit, my account was immediately frozen. After many calls to Sofi customer service, I've only been told that my account is under review for " security reasons '' and that the office that completes the reviews is " backed up. '' I was also told ( snidely ) that my user agreement allows them to freeze the account for up to 10 days to " investigate inconsistencies. '' Now, almost a month later my account remains frozen with no explanation. Is it legal for a financial institution to continue to block access to the funds in my account? I find their behavior suspicious and wonder if they are simply floating the money for their own gain or worse have become insolvent. Again, their customers service by phone is completely unhelpful and there is no physical office to visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Clarity Services
State: IL
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:
MY DAD DIED XX/XX/XXXX XXXX XXXX XXXX AND MOTHER DIED XX/XX/XXXX, XXXX XXXX XXXX. PLEASE UPDATE RECORDS TO REFLECT DECEASED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On my XXXX credit report they still have a inquiry from XXXX credit national credit card cos this inquiry was done due to identity theft your company took off XXXX XXXX XXXX so why not this one too? Trans union still has XXXX? Still one here on my credit report after 90 days. Still have not taken this inquiry off.

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 2021-03-13
Company: Rosebud Economic Development Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I understand I owe a debt. I went online and requested {$500.00}. I did get the {$500.00} into my checking account. I don't like the fact that they call me ALL the time. I borrowed {$500.00} and I'm not paying them back no {$2000.00}, I'm willing to settle to the account by making monthly payments of about {$50.00}. I under the interest rate, but paying back {$2000.00} is outrageous. A representative called me on a Sunday morning, I don't do business on the weekends. All these calls from different numbers don't make no sense at all. Stop the caller ID spoofing.

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 2019-05-31
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt is due to a medical XXXX for {$2000.00} on XX/XX/XXXX, & {$460.00} on XX/XX/XXXX. The debt is invalid due to it being charged to my mother and she filing bankruptcy last year. I filed a dispute through XXXX XXXX ( months ago ) stating that the debt is bankruptcy of another person but have not seen any changes. I never signed anything stating that I should be charged the balance everything was in my mothers name all bills due to me not having credit or insurance during the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Experian Information Solutions 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:
I reached out to XXXX XXXX, Experian and XXXX  a number of times since XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.

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 2020-11-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2019-06-08
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Made a payment of {$110.00} to Syncrony Bank for my Lowes card  account on XX/XX/2019 on their automated system. Their system stores two bank accounts with the same bank ( XXXX ) that I usually use to make payments. The payment was sent to the wrong account and the bank returned the payment on the XX/XX/XXXX. and I was reported that I missed my payment to the credit bureau. I had adequate funds of {$18000.00} during this period in the account that the payment was supposed to be withdrawn from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07
Company: CAINE & WEINER COMPANY, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Saturday, XXXX XXXX I received an email about a debt that I do not owe. XXXX XXXX sent an email with at least 7 emails attached. The email header had the ( {$1100.00} ) amount allegedly owed. The body of the email listed my name and how she has tried to reach me several times about the debt. My privacy rights were violated because the emails she listed were family people who all have the same last name ; I do not know all the people listed. 

Also, the amount that is being asked for is not true. The account was closed on XX/XX/2020 and I received a letter from XXXX XXXX stating the account was closed I would be refunded the balance from the company. However, XXXX XXXX is sending incorrect information that the account is past due and active. 

I also reviewed my credit score and noticed an inquiry on my credit. I did NOT give them permission to pull my credit report. This is also a violation of my rights. 

I sent an email explaining to XXXX that I will have my attorney to contact them and I do not want them to contact me. I also asked her not to send emails to the others listed in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My loan is being reported 210 days late by XXXX and I can't get a representative to resolve the problem or even respond to my concerns. My home secured by the XXXX loan is currently under contract however I have no place to move since obviously, no landlord or mortgage company is going to deal with someone whose credit indicates they are 210 days late on a mortgage. 

My Trial Modification was never granted on my loan when XXXX took it over from XXXX. As you can see from the attached I made the payments as agreed. Below is a summary of when these money orders were cashed. Whats more, every single one of my payments since the loan was transferred last XXXX has been made on time to XXXX with certified funds and delivered by certified mail. There is no factual basis whatsoever for disputing that I made each payment on time. Copies of the cashed money orders are attached. 

XXXX is now claiming to not have received one of these payments. This is the first time I have heard this. I am very concerned that it is not lawful for XXXX to simply ignore my repeated requests to stop placing inaccurate information on my credit report. Please help me to resolve this. 

Below is a summary of the attached money orders receipts and Trial Mod due dates. 
Trial Mod Payment # 3 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018, Trial Mod Payment # 2 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018, Trial Mod Payment # 1 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018

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 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have personally been affected by several data breaches. I have found several fraudulent accounts on my report and I am requesting the are removed immediately. Information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. 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 2020-11-20
Company: LEXISNEXIS
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:
On XX/XX/2020, I received a letter from XXXX XXXX XXXX and XXXX XXXX XXXX stating a quote from an agent for an insurance policy. I did not provide permission to pull my frozen credit report and Alexis Nexis lifted my credit report without asking to temporarily lift the freeze. Secondly, I did give any agent to go outside of my insurance to get quotes. I specifically stated to stay in their agency. I did not receive a call from XXXX XXXX XXXX and XXXX XXXX XXXX requesting to lift the freeze. Therefore, they should not request any information on me unless I am made aware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Amsher Collection Services, 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: Account information incorrect

Complaint:
On XXXX XX/XX/XXXX, Amsher Collection Services reported a {$50.00} delinquent debt to the following credit reporting agencies : XXXX   XXXX Creditor Name AMSHERCOLLECTIONSERVICES Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX   Responsibility Individual Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XXXX XX/XX/XXXX Remarks Placed for collection Medical|Subject has not satisfied debt. 

-- -- Remarks -- -- I am military stationed in XXXX, and have not been living in the US since XXXX. All of my medical expenses are billed to XXXX XXXX, as I am XXXX XXXX military. There is no situation where I would owe a debt of any kind to XXXX XXXX XXXX. 

Furthermore, no one has ever informed me of this debt in by any method, until it appeared on my credit report last week. I have tried to call both XXXX XXXX XXXX and Amsher Collection Services,  as well as left messages on their website, but have not received a response. 

I am moving back to the USA in XX/XX/XXXX, and will need to have my credit at an acceptable level so that I may begin potential home shopping. I have worked diligently for years to repair my credit, and this is going to cost me a significant amount in interest on home loans, etc. if this is not resolved quickly. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
In XX/XX/2019 I received an e-mail from Walmart with a link to apply for a XXXX XXXX job. XXXX XXXX XXXX XXXX and looking to make some extra money to contribute in the household with the expenses, my husband 's paycheck beeing our only source of income, I followed the link and applied naively. Days later I received a text message to tell me that I have been selected. I received an envelope via mail USPS, with a check of {$2500.00} and a letter with instructions. So I went to the bank, deposited the check on my account and 2 days later when the check became available I went as instructed to the bank, withdrew the money and headed to Walmart to make my survey. As part of the job I had to buy 4 Money Orders for {$500.00} each at the store 's Moneygram so did I and sent them blank with all the receipts to the address provided. The next day my account was overdrawn. Realizing that I was victim of a fraud I went to XXXX website first to track the package. It has been delivered early in the morning. Next I went to Moneygram 's website to report the fraud and asked them not to give the money to anyone. Then I went to the Walmart store where an associate informed me that there is a Walmart scam running an confirmed me of the fraud. I went to the Moneygram 's booth where I talked to the same associate who served me when I bought the Money Orders. She gave me a phone number that I called they told me that they had put a stop on the Money Orders, the money was still in their possession I had to allow them 3-7 days to process the case and send me a refund. I had to pay {$45.00} per Money Order. 2 days later I kept checking my case online and calling the phone number provided by the cashier they kept telling me that they still had the money and that I should receive the refund soon. The 3rd days I received an e-mail from Moneygram asking me for more informations. The pictures of the Money Orders and receipts and my personal informations. Later I received another e-mail telling me that my case is closes because someone took the money and that there is no refund possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan from Advance Financial. They say that it is an " installment '' loan, but their business is more set up like a Payday/shark loan type establishment. They accrue interest daily on accounts and the APR is almost 300 %! Their current statement shows that I owe them {$4400.00} for an original loan amount of {$2600.00}. This is after they took out a payment of {$560.00} last week from my bank account, WHICH I DID NOT SET UP AS A PAYMENT IN THE FIRST PLACE. But neither my bank nor the company will refund the funds that were taken. I don't see how they are operating legally with this type of exorbitant interest charged to " customers ''. Their guise is that they are a " family lender '', but are really financially raping and taking advantage of the most vulnerable and economically disadvantaged people. 

I talked to a bankruptcy lawyer, but he thinks it would be better for me to settle with any accounts that I can on my own. They emailed me a " settlement '' for {$4300.00}! I found that insanely amusing to offer a " settlement '' where they are profiting almost DOUBLE!!!! ( In addition to the almost {$600.00} they just took from me. ) I think this company needs to have a class action lawsuit brought against them, and repay some of the money they swindled from the " families that they helped ''. 

Their info : Advance Financial XXXX XXXX XXXX XXXX, TN XXXX ph : XXXX-XXXX-XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Diverse Funding Associates LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me 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 explanation