BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I paid my XXXX XXXX XXXX bill through the Reliacard bill pay online on XX/XX/2020 in the amount of {$500.00}. According to Reliacards website It may take up to 2-5 business days for the payment to be applied by the Payee to your bill. On XX/XX/2020 XXXX XXXX still had not received the {$500.00} payment. I called XXXX XXXX CC to verify that they had not received the payment and was told no payment had been received or is currently pending. I then called Reliacards customer service ( XXXX ) at XXXX on XX/XX/2020 and was on hold for over 2 hours. The first person I spoke with was XXXX. I explained to her what was happening and she said she couldnt do anything to help so I asked her to connect me to someone who could. She connected me to a supposed supervisor named XXXX and he gave me several different reasons why the payment had not been received. First one was, the payment had not been processed yet and to give it a couple of more days. I told him Put a stop on that payment and credit my account back. He then said Nope, it has been processed and I should give it a couple more days. I explained to him what Relaicards  site said about 2-5 business days for the payment to be received. He then said to me I could cancel the payment online. I told him you can not cancel the payment on line after it has been processed. He told me to go to their site and he would walk me through. I went to the site and he told me to go to cancel payment button. I explained there is no cancel payment button and that the site says To Cancel a Scheduled payment, select Cancel. This was not a scheduled payment and the payment had already been processed. I believe he realized he was wrong and without saying anything, he hung up on me. 
This morning XX/XX/2020 I called back and waited over an hour. I spoke with XXXX and told her what happened on the last call and in a very rude voice she tells me According to our records you hung up on him. I wasnt going to argue and told her to put a stop on that payment and issue a refund to my account. She said ok, anything else? I said can I have a confirmation number for the canceled payment? She told me my CC ID was my confirmation number and hung up. 
Your help is this matter would be greatly appreciated. 
Sincerely, 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 2020-05-06
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was affected by COVID-19 and requested assistance from Credit Acceptance. Asked them to defer payments as per PA cares. They refused assistance, just kept asking for payment. They showed no empathy and did not even ask how I was affected.

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 2018-04-03
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:
Dear XXXX XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME OR SEND ME ANYTHING VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond ONLY VIA THE CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2020-05-06
Company: Square Inc
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/XXXX I found out my CashApp Cash care was lost. I immediately blocked my card via the mobile App, ordered a replacement card, and found out there were 17 unauthorized transactions on my account totaling {$2000.00}. These charges occurred between XX/XX/XXXX and XX/XX/XXXX. 
I immediately contacted Customer Support through the App ( as there was no phone number to contact customer service ). The response was I will be receiving an email in 48 hours. I received an email same day XX/XX/XXXX at XXXX PST requesting additional information about my claim, which I responded to on XX/XX/XXXX at noon. 
On XX/XX/XXXX at XXXX PST I received an email from cashapp support, requesting additional information. I responded same day at XXXX. 
At XXXX of XX/XX/XXXX I received a response denying my claim. 
When I questioned how 17 fraudulent transactions with multiple Merchants could be investigated and concluded in 1 hour 17 minutes, I was told my account has been closed and that I can re-file a claim. 
I asked again, why my claim was denied, and the response was that Cashapp did not get a response from me in over a week. That is not true, because I just explained the timeline and Ive email thread, with time and date stamp. 
I know you cant investigate 17 unauthorized charges from numerous Merchants in 77 minutes!

I also bought 12 company stocks through cashapp mobile app. When I asked whatll happen with my stocks in a closed account situation, I was told to sell my stocks and cash out. It is illegal to force someone to sell their stocks against their will ; and this is what Square as an organization is doing. 
I have since re-filed the claim and cashapp hasnt responded. Thus, making me seek help alternatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2019 I was scammed of all my money at Bank Of America by a company pretending to be XXXX. They took all my Bank account and savings funds and credit card limits. The Bank Of America emailed me of the activity but the scammers had loaded software that prohibited mt accessing my account. BOA should have called me.

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 2019-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX is an account that does not belong to me. I called XXXX   only to find out that the account that is being reported on my credit has a totally different address and that the account does not belong to me. There are hundreds of XXXX XXXX in the world. I also had a fraud on my credit some years ago. Not only is this account not mine but it is also showing on my credit report 2 times. Both accounts have the same open date but different dollar amounts but the same account. There definitely is a identity mixup. This issue is causing my credit score to plum drastically. The address that XXXX XXXX have belongs to someone else. Please do not send me a pre-made letter stating this account was verified without telling me who the credit bureaus physically talked to verify this account and I need a signed original contract with my signature on it. Remove these duplicate accounts immediately! I will be pursuing legal action if this is not resolved.

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 2021-05-02
Company: EQUIFAX, INC.
State: NC
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:
Old charge-off by XXXX XXXX sold to XXXX XXXX, sold to XXXX, in-house entity of XXXX XXXX, paid old debt off in full, got receipt from XXXX n a release from XXXX XXXX, been sent multiple times, it's the last debt I owe anyone so kindly acknowledge that because you folks r doing nothing more than holding me back from improving my life further because of this one credit " roadblock '' that has been paid in full n released from the creditor months ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am reaching out to you because I feel that I am at a lost in regards to fraud claims that I disputed and that XXXX fails to assist me towards a fair and positive resolution. 

I submitted a fraud claim within 30 days of the multiple fraudulent charges totaling {$2200.00}. XXXX decided to cancel my account and close the investigation and I am liable for the fraud charges. Their explanation was that the charges were not fraudulent, however they did not provide any supporting documentation nor proper investigation. XXXX based their resolution on the fact that I have been a victim of fraud charges on the past and they assumed that I was negligent with my credit card. 


I have appealed XXXX 's resolution and provided them with explanation and affidavits, however to this date XXXX has failed to provide me with a positive resolution. I have been a long time customer of XXXX and I have had an excellent payment history and I believe that not only this is an injustice but it is unfair and according to their consumer agreement I should not be liable for fraudulent charges. 


I really appreciate your assistance in finding a positive and fair resolution to my claim. For ease of reference, I have uploaded some of the last communication letters exchanged with XXXX in regards to the fraud claim. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
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 SOMEONE USING MY IDENTITY. AS I'M TRYING TO GET THAT TAKING CARE I DECIDED TO GET CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS A NUMEROUS LISTOF THINGS THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE. SPRINGLFIN XXXX {$3700.00} XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY 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 2017-11-29
Company: TENET HEALTHCARE CORPORATION
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a bill from XXXX XXXX XXXX stating that I owe a {$56.00} for a visit that I took my daughter to. My husband is in the military so we have tricare and I have been to this hospital several times before but never had any issues now all of a sudden this is showing on my credit report as a collection. I am not even the policy holder my husband is. I tried to talked to XXXX XXXX XXXX about this and they told me that they ca n't do anything until they talked with the insurance company but is n't that what they are suppose to do before they put this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a letter dated XX/XX/2019 from XXXX XXXX XXXX, stating my recent request for prequalification for a XXXX XXXX XXXX card. And I also said that they couldnt give me a line of credit due to the fact of No Credit Report Found. I  have NOT applied for any credit recently.

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 2021-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Bank of America responded to my complaint without any evidence that they tried their best to solve this issue. I highly doubt that they even read my complaint fully. From their respond I understood that my intended recipient XXXX XXXX have received money that I have sent through XXXX on XXXX XXXX. Bank of America responded that they have contacted to XXXX XXXX XXXX XXXX to retrieve the money however they confirmed that the intended recipient, XXXX XXXX have received the money. Also they responded that, they have done everything right and executed transaction as I instructed and I shouldnt send money to someone that I dont know. First of all, XXXX XXXX is my legal spouse and I have sent our marriage certificate to Bank of America after their response to my complaint to prove that. And if they read my complaint I have written about it in my initial complaint letter Second, XXXX XXXX, my wife does not have account in XXXX XXXX XXXX XXXX and she never received the money. This is so illogical to go trough all this hassle if she already received the money on my side. This doesnt make any sense how they confirmed it. I can provide her contact information if they want to make sure my wife XXXX XXXX havent received the money and she doesn't have any account at XXXX XXXX XXXX XXXX and never ever had one. She has couple bank accounts with Bank of America. I also sent them police report which I tried to seek my local town police department help after I realized how useless is our financial institutions like Bank of America on helping me out and retrieving my money. That money supposed to be our mortgage payment and suppose to go to my wife, XXXX XXXX and it never did. Instead someone who has account at XXXX XXXX XXXX XXXX and owns my wife 's old phone number received it. He made sure that he is not willing to give the money back after our local police contacted to that person.

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 2021-05-24
Company: EQUIFAX, INC.
State: OH
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2017 I noticed charges on my prepaid XXXX card that I didn't make. Immediately I contacted them and was referred to NetSpend. I was instructed to submit a claim to them. My claim for over {$1600.00} was denied within 3 working days. I've contacted them, repeatedly trying to get my money returned to me unsuccessfully. I was instructed to file a police report, which I did. But still have not gotten any money. I'm XXXX and need my money. Help please

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 2021-07-01
Company: Convergent Resources, Inc.
State: MO
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've notified this company, XXXX XXXX XXXX, about the incorrect and inaccurate information reporting on my credit report, I've asked for an investigation, verification, and validation of this alleged debt. My request has been ignored several times and no investigation has been done to ensure reporting at 100 % maximum accuracy. This company has violated several of my consumer protection laws. Saying the debt is valid but not providing any proof that the unknown accounts are verified. In addition, I've requested the method used to supposedly verify theses accounts and have not been provided with any information. My request continue to be ignored. This has cause a tremendous strain on my credit health, causing me to continue being denied credit for false reporting reasons. Please help me resolve this matter immediately as I have tried several times to handle this matter. 
Dates : XXXX accounts updates, so they were reporting incorrect to begin with XXXX alleged verifiecation XXXX reporting incorrect XXXX no response to dispute XXXX no response or action taken XXXX still reporting unknown accounts

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 2021-07-01
Company: JPMORGAN CHASE & CO.
State: TX
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:
I HAD SUSPICIOUS ACTIVITY ON MY CREDIT ACCOUNT IT CAUSED MY CLOSED MY ACCOUNT. WHEN I WAS WAS CLOSING MY ACCOUNT I ASKED THAT PERSON TO TRANSFER MY POINTS MONEY {$1900.00} TO MY BANK ACCOUNT. AFTER TWO MONTHS WHEN I REALISED THAT I DID NOT RECEIVE MONEY I CALLED AND SPOKE TO THE SUPERVISOR AND AFTER A WEEK I RECEIVED A LETTER THAT MY REQUEST WAS DENIED, THEN I CALLED AGAIN AFTER THEY DENIED MY REQUEST. LAST TIME WHEN I SPOKE TO A SUPERVISOR AND THEY SAID MY REQUEST IS GETTING DENIED BECAUSE THERE IS NO ERROR BY THE BANK. I REQUESTED THE MY OWN RECORDING THEY SAID I HAVE TO GO THROW COURT. I FEEL LIKE IT'S NOT FAIR FOR SOMEONE ELSE 'S MISTAKE AND CAUSED ME TO LOSE A BIG AMOUNT OF MONEY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: Concord Servicing Corporation
State: IL
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:
I demanded that the following account be removed from my credit report : XXXX XXXX XXXX   Account # 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 2017-12-01
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a medical debt show up on my credit report, I disputed it and there was a lack of proof, so the credit bureaus took it off ( around XXXX ). A month or so later a new bill in the same amount for the same false medical bill showed up under another name ( PHNX FINAN ) in the exact amount ( {$1600.00} ) on my credit reports. I was not notified that a debt was sold or purchased. I called the company PHNX FINAN ( Phoenix Financial ) at XXXX and asked them to send me proof. This was around XXXX XXXX, I believe. A couple weeks went by and I received nothing. I called back and they asked me to wait a few more days. I called back a week later ( not sure of date ) and she stated that it showed that it went out on the XXXX, but that she would send out another. I never received anything from the company. I spoke with XXXX today, XXXX XXXX, XXXX, and she stated that she sent it out ( inferring one time ), I said well I have not received anything and I have sold that house and need to give you the new address and would you send a copy there. She said that she was not going to send me out another copy. I am not responsible for this medical bill and my rights have not been upheld by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation