BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-15
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Summary : XXXX customer service gave me wrong information and led me to make a wrong decision. I demand XXXX to own up to their mistake and honor the cashback. 

Detail : On XX/XX/XXXX, I purchased airline tickets through XXXX Membership Rewards in the total amount of XXXX points. I also called XXXX customer service XXXX number and confirmed with them that I am eligible for 35 % points back when purchase tickets with Membership Rewards points. 

Fast forward to XX/XX/XXXX, I have not received the points back and called back to check. But they told me that I am actually ineligible for the points back. After reading the fine prints, I understand the reason I am indeed not eligible. 

Nevertheless, I purchased the tickets based on the WRONG information given by XXXX customer service. Should they told me I am not eligible, I would not go that route to begin with. With that, I demand I should be compensated accordingly for my loss as a result of wrong information from XXXX. 

I demand the 35 % points back of XXXX points I spent, which is XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: DISCOVER BANK
State: NY
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:
On my FICO score credit rating went down for the months of XX/XX/XXXX to a score of XXXX, and XX/XX/XXXX to a score of XXXX. My score was always above 800.My score for XX/XX/XXXX was XXXX. I called FICO ( Discover card ) numerous times and was told it was in escalation and they would check on it My last call was on XXXX XXXXIt also shows that I missed a payment.I did not miss a pymt. I always pay my bills on time.I was told that FICO gets their information from XXXX I Icalled XXXX and was told that there wasn't any missed pymts.I also printed out a hard copy of my report from XXXX and could not find anything wrong with it-nothing for the past 5 years.I paid {$22.00} for the report.When I called FICO they told me to call XXXX.When I called XXXX they told me to call FICO.I can't get a straight answer.I obtained a score from XXXX, XXXX, XXXX XXXX, and XXXX XXXX.All scores are above 800.I don't know why my FICO score went from XXXX to XXXX, everything is paid up and on time.I CAN'T GET ANSWERS.I would appreciate your help.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
two days ago Bank of America closed my two checking accounts and savings account without cause and are refusing to let me have access to my funds until after XX/XX/2021. I am XXXX yrs old and need the funds for prescriptions, rent and insurance payments among other reasons. I did not do anything illegal or write any bad instruments or overdrawn my accounts. I have called several people at BOfA and told they can not release my money. they also have interrupted the social security check on the XXXX. they are located all over the country and can not let me talk to local management to get me access to my funds. I was sent several checks I did not solicit and was asked by a friend to deposit them deposited them and found out only recently that two were stolen checks and one was overdrawn the writers account.. I did not spend or try to collect any of that money. the bank unilaterally closed my accounts as if I was attempting to defraud them. I just want my legally own money not connected with those checks and the bank is refusing to give it to me or allow me to pay for necessities. I think that is grossly illegal to keep me from my legal money in a timely fashion.

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 2022-10-03
Company: U.S. BANCORP
State: FL
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:
Complaint US BANK SECTION 1 : US BANK claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I put US BANK on notice. 

I gave US BANK an OPPORTUNITY TO CURE. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction STRAWMAN, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a TRUST account, aka the XXXXXXXX XXXX XXXX XXXX XXXX aka the XXXX XXXX XXXX XXXX making I the ORIGINAL CREDITOR of any transaction that took place. US BANK never gave, or offered, due interest to the Living Man, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ).

SECTION 2 : US BANK has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. US BANK admit that I am the original creditor and source of the credit being utilized. 

XXXX. US BANK leave account XXXX XXXXXXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). 

XXXX. US BANK reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). 

XXXX. US BANK pay for all fees and fines associated with this matter. 

XXXX. US BANK pays me {>= $1,000,000} in damages. 

XXXX. US BANK is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I berly open a wells Fargo bank account and now they want to closed down my bank account by XX/XX/2022 because early warning consumer reports but I berly deposit a check from a worker 's compensation check for XXXX $ and want to know how will I get my money back or my check back please help me my full name is XXXX XXXX XXXX my social security number is XXXX am not sure why I keep getting denied for a bank account and wells Fargo approved me for a account and then decided to close it down by XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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:
Who it might concern with this letter I inform that my fathers social security number are very similar with only one digit difference we have both the same name and have shared same addresses for the past 15 years. My father social security number is completely the same expect for the last number his social security ends on XXXX and mine ends in XXXX. As a result the creditor XXXX XXXX with account XXXX and the debt amount of XXXX needs to be removed as they do not belong to me but to my fathers. In case an affidavit is needed my father has signed and dated one with documents confirming that this account belongs to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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: Information belongs to someone else

Complaint:
Who it might concern with this letter I inform that my fathers social security number are very similar with only one digit difference we have both the same name and have shared same addresses for the past 15 years. My father social security number is completely the same expect for the last number his social security ends on XXXX and mine ends in XXXX. As a result the creditor XXXX XXXX with account XXXX and the debt amount of XXXX needs to be removed as they do not belong to me but to my fathers. In case an affidavit is needed my father has signed and dated one with documents confirming that this account belongs to him.

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 2017-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have submitted multiple dispute letters in regards to inquiries on my credit report that I did not authorize. I have not received a response or any documentation that can support these inquiries. Credit agency has not removed inquiries in question. I will list them below and am demanding said items removed from report 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

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 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX Fraudulent 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
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: TX
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 contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: NY
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 problem Am having with Equifax is that this account is passed the statute of Limitations. Account Name : XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Avant Credit Corporation
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Non-stop phone calls ( from different numbers that change ) at all times of the day. Before XXXX XXXX ( many instances, one was on XX/XX/19 at XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Gragil Associates, Inc.
State: VT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am having issues with the company Gragil Associates, I never received the initial paperwork claiming I had a debt go to collections with them. I have been paying to them for 4 years now. XXXX a month. The company is refusing to give me the ammounts in writing. The company is claiming I owe more money now. I have been keeping track of how much I have paid and how much I owe. They said they do not need to give me any records because they are " not a billing service. '' I just want to see how much I have paid and the original bills and they are refusing to do that. I should be able to see what I have paid off and how much I have left on the account. The company said I could go back and look at my bank account and track down how much I have paid. This is the 2nd or 3rd time they have not added payments in their system. I feel like I have paid more than I should have already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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, I am seeing the following hard credit inquiries on my credit report. I have never ever requested any sorts of loan or credit from these institutions. Based on my research so far, it appears that all these are spam or fraud institutions and I need to file a formal complaint against these. 

1. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3. 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 2021-09-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: WELLS FARGO & COMPANY
State: ND
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2021 around XXXX, I entered WellsFargo with a bag full of roughly XXXX in cash and deposited it. 3 weeks later I check my account and the money was never deposited according to my bank records. I submit a claim with Wells Fargo investigation team and was sent a letter in the mail 5 days later saying there was no evidence of the deposit and the case is closed. My mother who lives in XXXX went to the bank and talk with the branch Manager XXXX XXXX who explained to my mother that he has no authority to check the security cameras and he will inform his higher ups and they will resolved it. A week later my mother received the same letter as before with no explanation of their reasoning and that the case is closed.

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 2021-04-15
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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: Problem with personal statement of dispute

Complaint:
Please send me proof of method of verification and sent me the contract that I originally signed. The only letter I received is saying that I owe. I have not received any communication regarding the validity of 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 2022-03-01
Company: EQUIFAX, 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:
I have provided these companies with the documentation required to have accounts listed in the attached documentation, yet some accounts still remain. Ill, again, attach the documents designated to have the accounts reference removed in hopes they would this time follow the law and have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received a letter from ERC stating that I was delinquent {$1100.00} on my XXXX XXXX  XXXX XXXX XXXX. My bill is paid through auto draft ; I do not have any debt. The referenced account number is not mine. My name on my XXXX XXXX XXXX bill is spelled differently from the spelling of my name on the ERC collection statement. My husband 's name is on our XXXX XXXX  account. I called both XXXX XXXX XXXX and XXXX XXXX. The referenced account number is XXXX ; no such account exists with either company. 
Furthermore, XXXX XXXX XXXX account XXXX XXXX with a XXXX. The referenced account starts with a XXXX I also called ERC using the number given in the statement I received and the number given online for the company. I believe it was the same person who answered both calls and both times said the same thing. They verified my current address and they also gave the same supposed former address which was not mine. 
They asked for the last 4 of my social security number. When I declined to give personal information, they said they could not help me. At first I thought someone was fraudulently using my name and address. But after discovering that the account number doesn't even exist, I am suspecting scam activity by ERC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: World Acceptance Corporation
State: GA
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:
you meaning cfpb did absolutly nothing to correct this problem with world finance i reported this problem several times to you about how they have negatively affectec my credit to which you did nothing and did not care this was already on my credit reort by XXXX XXXX and world finance bought the debt and charged more and marked my credit with another mark and charge off which is and should be illegal iam taking this higher after being given no choice to pay this amount of XXXX to get this removed iam getting a attorney these guys are bulleys and scammers taking advantages of people and you guys do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/21 XXXX XXXX XXXX was authorized to repair a light fixture in my pool for XXXX dollars. 0n XXXX was told due to complications it would cost me XXXX to do the repair which I also authorized. On XX/XX/21, the repair was not done and I was charged XXXX. I disputed the transaction since I had not authorized XXXX nor the repair was not done. Citibank informed me that even-though I had not authorized the the XXXX amount nor the work that I was being charged for was not done I was responsible for the charges. I have provided documentation showing the work was not completed and I had to pay another company to deal with the damages caused from XXXX 's XXXX XXXX  to no avail. I need your help. I believe Citibank 's decision on this matter is wrong based on the facts and logic and documentation provided. I should not be responsible for an unauthorized charge for a service not completed.

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