BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: EOS Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So a few years ago, I had XXXX XXXX and I cancelled my account using the my XXXX XXXX. Under the Servicemembers relief act. I handed the representative at XXXX a hard copy of my orders and he said dont worry it will be taken care of so I said thank you have a nice day and did my 12 month XXXX. So now I look on my credit report and it states I owe XXXX {$640.00} when the account was canceled I did not lease a phone, I did not have a outstanding balance. The company EOS CCA to which is collecting this unjust debt. Is refusing to acknowledge my orders and the service members relief act. I showed them my orders and even provided them proof that Im still serving in the United States XXXX. They are rude and refuse take the account off my credit. Ive disputed it and exhausted every other option. Please help me. I have the provided documents that will hopefully help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: NV
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:
Experian is reporting account number and opened date wrong in this account XXXX XXXX XXXX XXXX XXXX XXXX Please correct this information or remove the account from my credit report.

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 2021-11-09
Company: Sunset Solutions Group, LLC
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My mother and I were contacted on XX/XX/XXXX, by a woman named XXXX who claimed to be from a legal agency and stated that I had been given a payday loan in XXXX and that I had defaulted on the loan and that I would need legal representation because I would be taken to court if I did not agree to a settlement or pay off the loan amount. I called XXXX at ( XXXX ) XXXX and she claimed to be working on behalf of a loan agency/creditor who claimed that I had defaulted on the loan and was in breach of contract, and that I would be taken to court if I did not pay the total amount of {$1400.00} or agree to a {$500.00} payout paid in {$250.00} installments. Sunset Solutions Group LLC emailed me a XXXX document, which I was forced to sign under duress and afraid. On XX/XX/XXXX, I received an email from XXXX XXXX, who described herself as XXXX 's new payment processor and informed me of a new contact number for my payment. The phone number to call is XXXX, as indicated in the email. I've kept track of the emails from them at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On or about XX/XX/XXXX I sent a letter to Trans Union and XXXX  to dispute the amount reported from XXXX XXXX Card to both credit reporting bureaus. I frequently utilize XXXX XXXX to monitor my credit report, upon doing so I discovered a mistake that was made by XXXX XXXX Card services. 
Issue : On the credit report XXXX clearly did not indicate the payment that was made to them on XX/XX/XXXX ( {$54.00} ) & XX/XX/XXXX ( {$64.00} ) to both credit bureaus. Please see uploaded document form my XXXX XXXX online account billing invoice highlighted for supporting documentation. 

2nd Issue : I mailed a dispute letter to XXXX  & Trans Union to correct XXXX XXXX 's mistake. Trans Union notified me by mail stating that this this information was disputed and updated. Upon receiving a new credit report from Trans Union ( pg. 5 out of 12 ) still have down that I was thirty days late with payment. My XXXX XXXX card is due the XXXX of each month. XXXX XXXX failed to report this information correctly to my credit report.

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 2020-12-16
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 at XXXX XXXX I tried to do a debit card withdrawal at XXXX XXXX XXXX XXXX XXXX ATM machine. It printed a ticket to present to cashier for the {$500.00} requested plus {$26.00} fee for a total of {$520.00}. 
When I went to the Casino cashier to obtain the {$500.00} I was told that they don't process this type of transaction after XXXX XXXX. I asked how about that ticket that the ATM machine printed I was told it will void in a couple of hours and not to worry no charges will be processed. 
The next day I saw the charge submitted to my bank account with Citibank as pending. 
I thought it would clear. It did not clear and the next day it was charged to my account ending in XXXX. I called Citibank customer service to explain that I also could not reach anyone at the Casino. The Citibank agent offered to credit my account of the {$520.00} pending an investigation of the charge. A reference number XXXX was assigned to the case. 
I tried again to call the Casino to no avail, several messages were left with no one calling. 
I submitted an email inquiry on their website with no response. 
Yesterday I received a letter from Citibank service center /Client Research dated XX/XX/2020 ( I received on XX/XX/2020 ) essentially stating I need to submits the receipts of the transaction by XX/XX/2020 or they will charge my account for the {$520.00} previously credited. 
They don't seem to understand that no transaction took place as far as payment therefore no receipt. XXXX XXXX needs to prove the transaction with my signature to document if they ever paid it. That was no investigation from Citibank as far as I am concerned they just want the charge to stand. In this case I think what has started as an erroneous transaction is turning into an extortion and possible Bank Fraud. 
Both XXXX XXXX and Citibank need to thoroughly review their procedures to avoid this type of occurrence. Also I need to be made whole as far as any charges that don't legally belong against 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 monetary relief
Consumer complaint received 2021-11-09
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I was charged {$180.00} on my Best Buy credit/Citi Bank on XX/XX/2021 that I did not make. I had a XXXX balance on my account since XX/XX/2021 and I had not purchased anything on this account. I called the Best Buy store XXXX XXXX XXXX to dispute these charges in XX/XX/2021 they told me that it was a renewal for Best Buy Tech support. I told them that I canceled this renewal in XX/XX/2021 at the Best Buy store in XXXX at the customer service Desk and the XXXX XXXX desk . I have complained to several customer service representative since XXXX and to Citi Bank. On XXXXXXXX XXXX I called the Best Buy store to ask for a XXXX to dispute these charges again and was told there was none available and that someone would call me back. no one called me back so I called again and I talked with XXXX XXXX. # XXXX She said that she saw where I had cancelled the tech support, so she issued me the refund but for only {$150.00} with a remaining balance of {$65.00}. I told her that I was not satisfied with this and she told a XXXX would call me within five days. On XX/XX/XXXXXXXX XXXX I called back to the Best Buy store in XXXX to speak to a XXXX, I talked with Miles who couldn't help me, then I talked to XXXX and he put me on hold and then hung up on me, I called back and talked to XXXX who was in the XXXX, I hung up and I called the Best Buy store in XXXX again and spoke to XXXX  and was put on hold for over a hour finally I hung up and called the Citi Bank for Best Buy and talked to XXXX who connected me back to Best Buy in XXXX and I talked to XXXX in the XXXX XXXX billing about the fraudulent charges to my account, she told me that they could only give me the {$150.00} credit to my account. I asked for my account to be closed at that time on XX/XX/2021 and asked for a XXXX and was never connected to one after being on hold for hours. I reported these fraudulent charges to all three of the credit bureaus and that still didn't resolve the fraudulent charges on my account or my credit report. I am still receiving bills for this fraudulent charges and Citi bank/Best Buy is not trying to help me with this dispute.

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 2019-09-12
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: Information belongs to someone else

Complaint:
This is my third time attempting to get this information removed

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 2021-08-05
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: Account information incorrect

Complaint:
I have attached two accounts that are reporting to my credit profiles incorrectly. None of the information is correct on any of the three bureaus. Per the FCRA the information comes from the same source and it should all coincide and it doesnt and would like to have both of these accounts deleted from all three of my 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 explanation
Consumer complaint received 2021-11-09
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Tuesday, XX/XX/XXXX, XXXX XXXX of XXXX XXXX XXXX, on behalf of Plaza Services Inc, called every single personal phone line of a third party, my father as well as his business lines. My father is not my guardian and I do not enter into loan arrangements with him named. He is a third party. According to my father, a phone line was contacted that is for internal employees and is not publicly available. Two voicemails were left for my father where XXXX named me as a party to legal action and threatened " final legal action '' and suggested that current proceedings " may have been initiated. '' XXXX did not name that he was attempting to collect a debt nor did he name his affiliation with any company, let about XXXX or that he was called on behalf of Plaza Services. The phone numbers that he contacted are clearly listed as those of my father in public records or are official phone lines of his company. I have these two voicemails saved. 

XXXX attempted to call me but did not leave a voicemail. He only left a voicemail with my father and his business. I called XXXX and asked him if he was aware that it was improper to contact third parties to collect a debt, not only one time but several times. When I asked for information regarding the dates that the debt was charged off and ultimately sold, he told me that I was not being cooperative, and he spoke over me and stated that his client is strict and unless I said that I wanted a settlement that he was going to communicate with the client ( Plaza ) that I had stated that I did not want to cooperate on settling the debt. XXXX would not even disclose to me the name of the collections agency he worked for. He stated that it was called " XXXX '' and that the acronym was something I didn't need to know and it " didn't stand for anything. '' He threatened me with false statements to a creditor. He hung up on me when I insisted on collecting further information and stated that he's telling the client that I didn't want to cooperate. I called him back, he further spoke over me because he wanted me to agree to the settlement of a debt that I didn't have enough information about. I ultimately was transferred to XXXX ' director where he gave me the requested information and agreed that XXXX 's behavior was a violation of federal and state ( Texas ) debt collection laws. Not once did XXXX ever use a disclaimer that he was calling in an attempt to collect a debt when he was initially in contact with me. 

After I asked - well into the phone calls- I was assured that all of the calls referenced above were recorded. I informed the director that I'd be filing federal and state claims under consumer protection laws. The voicemails left for my father and his company as well as my conversations with XXXX and XXXX ' director all took place on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion is reporting incorrect and fraudulent information on my credit report. I have never opened an account with XXXX XXXX XXXX or never entered into any agreement or contract. 

Please remove information from my credit file. ( XXXX, XXXX, Transunion ) Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file [ FCRA 623 ( a ) ( 6 ) ( B ) ]

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 2018-06-05
Company: Strategic Alliances, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contact by the debt collector XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX was made via USPS on or around XX/XX/XXXX ( letter dated XX/XX/XXXX ). Limited information was provided. It came to my attention that collector had called my mother asking to speak with me. When asked what it was in reference to she was hung up on. I contacted the collector by phone and was asked to verify name, address, and date of birth. I refused to provide date of birth since to my knowledge that was not information that the collector had. Collector told me that without that information she would not speak to me and hung up. My mother was contacted at least 2 other times each time collector was told that I was not a resident at that number. 
On XX/XX/XXXX I wrote a letter asking for many details to verify the debt. This letter was mailed certified on XX/XX/XXXX. I received notice 10 days later that the letter had been received. 
On XX/XX/XXXX I received a response to my letter detailing the debt as lab work ordered by my dr on XX/XX/XXXX and completed by XXXX XXXX XXXX. I knew this to be my very first prenatal visit and that prenatal visits were covered 100 % by my insurance. I contacted my insurance co who informed me that the lab used was out of network at the time ( lab is now closed and filed for bankruptcy and being investigated by feds ) Insurance paid in network costs at the time. I contacted my dr who was in network at the time of service. I was told immediately to file a dispute that many patients had contacted them regarding this lab and debt collector. That it was possible that the lab had conducted tests that were not ordered by the dr . 
I then called the collector to verify filing a dispute. I was told by the collector that since I had contacted them via letter and they had replied that my debt would soon fall out of dispute and that I would be responsible for paying the debt. I mentioned no correspondence with the lab regarding the debt and receiving no correspondence other than a letter from the collector. I mentioned the phone call to my mother to which they denied even having her number. When I insisted again that she had been called more than once, I was told that her number had been removed. I asked why I was never called if they supposedly had my phone number and they told me they had on record that they had called 6 times and are not allowed to leave messages. In my line of work it is not considered contact unless you actually spoken with someone ... 
I feel that this is all very fishy. I do not feel that I legitimately owe the money and feel that further investigation should be completed before being pressed for payment. I also feel that all of the information that I requested was not provided and that communication was not properly handled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: MECHANICS BANK
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:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I set up an ACH transfer from my American Express Serve account to my XXXX XXXX checking account. on Tues. XX/XX/XXXX. Normally, it takes 2-3 business for the transfer to be complete, but my Monday XX/XX/XXXX, the funds were not posted in my checking account. I contact XXXX XXXX regarding my transfer and I was informed that there was technically issues and my transfer would not be finalized until Wed. XX/XX/XXXX, but I did not get the funds posted in my account until the following day. 
Because of the funds were not in my XXXX XXXX account within the 2-3 days ; I receive four overdrafts fees from XXXX XXXX. I explain to XXXX XXXX several times regarding my issue, but the bank refuse to refund me the fees because it was not their issue. XXXX XXXX   offered to speak to XXXX XXXX directly, but once again the bank refused to refund me the over drafts fees. XXXX XXXX only provided me a XXXX refund back to my XXXX XXXX account for only one overdraft fee. I have made countless attempts to resolve this issue and I have offered to provide my bank statement and/or other documents to show the fees, but XXXX XXXX refuses to speak me amount this matter. As a consumer, I should not pay for any fees because this was a technical issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
From XX/XX/XXXX to XX/XX/XXXX {$9100.00} dollars was stolen out of my account via fraudulently written checks. This plus a {$35.00} insufficient charge totals to {$9200.00}. XXXX XXXX was helping my mom ( the primary account holder ) with somethings around her house because she was dealing with medical problems. At one point she was even hospitalized. As soon as I became aware of the fraud, I immediately called the bank who opened a case and told me the money would be put back within 10 business days. Well after a month of back and forth, hearing a different picture from the myriad of customer support professional I spoke with, I finally learned that the claim was denied because the fraud started in XXXX and that was outside of the 30-day period in which fraud was required to be reported. I was beside myself. The signature on all of these checks did not match that of mine or my mothers and it was so clearly fraud. Does the bank not have any internal protocols to match a signature when cashing checks? We've reported this individual to the police and he is in custody, but we are still out of almost {$10000.00} and my mom was sick. The money stolen between XXXX and XXXX was {$1200.00} and from XXXX to the beginning of XXXX when I made the report he stole {$7900.00}. Going back to XXXX would have been 60 days, but the bank refused, saying that because it started in XXXX - none of the money would be put back. 

This is incredibly egregious from a company that made $ XXXX dollars in XXXX. 

Case # XXXX Claim # 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