BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a prepaid XXXX for {$150.00} on XX/XX/XXXX, and used it once for {$60.00} at XXXX around XX/XX/XXXX. I attempted to use it again the next day and the cashier said it was declined. When I checked the balance I learned funds had already been depleted from New York and I live in XXXX XXXX. Someone also managed to register it under a different name. My card was compromised even before I used it for a small amount of {$10.00}. Someone had already stolen a portion of my money without having the physical card. I have attempted several times to dispute with company, sending faxes and them saying they couldnt see documents correctly. Documents include : copy of gift card front and back, my drivers license, copy of original and activation receipt. I also mailed copies to them on XX/XX/XXXX and upon checking every week they tell me they have not received them. They give the run around too much and are not cooperative. Today is XX/XX/XXXX and they supposedly have not received them. They do not accept email and have to wait until notes are placed by the fraud department. There is no number to speak with anyone In the fraud department per XXXX the senior representative. They are scammers!

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 2022-03-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX has called two people who are not me. One, related ( mother ) including another unrelated. They have harassed both parties, calling them 3 times a day for 36 days and counting. Most common phone number they have called from is XXXX. They have broken fair debt collection act laws on multiple occasions. They have disclosed my social security number to two people who are not me, they have disclosed alleged amount owed to people who are not me, they have disclosed my personal information multiple times, they have also disclosed what company the debt is allegedly owed to. 

List of Fair Debt Collection Practices Act broken 804. Acquisition of location information 15 USC 1692c 805. Communication in connection with debt collection 15 USC 1692d 809. Validation of debts 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 810. Multiple debts 15 USC 1692i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: ROBINHOOD MARKETS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Robinhood has restricted my entire spending account and shut off my debit card completely for no reason. I tried chatting with multiple representatives who immediately closed the chats after I mentioned my issue and Ive been unable to access support at all. When I call them on the phone, Im unable to reach the restrictions department and no one else can get in contact with them either. I keep getting referred to this team via email, but theres no direct contact, so Ive been waiting for an update with my account locked.

I then received an email update from representative XXXX who informed me that my brokerage account is the one under review and Im unable to trade stocks, even though the official email says its my spending account and debit card. The email ended with XXXX stating the case would be forwarded to the relevant team, which does not give me any more information or a resolution. 

I recently filed a dispute on a debit card charge, and now XXXXobinhood is restricting my entire account just two days later. It seems as if Robinhood is trying to avoid adding a provisional credit to my account ( which they are required to do under Regulation E ), or they want to prevent me from accessing and using the funds when they are applied.

These are extremely shady business practices on Robinhoods end. Ive been a customer for several years and not one person has been able to tell me the real reason for this restriction or how it can be rectified. I need this resolved ASAP with confirmation my dispute is still in progress on the timeline required by Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Since XXXX of XXXX I have been charged with late fees on my car note each month and it have damage my credit report so bad. I have talked to people so many time and nobody never responded or call me back. I also was over charged on the car. They wanted XXXX for a XXXX XXXX  on a XXXX. I need some type of help with removing the extra charges.

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 2022-12-31
Company: Experian Information Solutions Inc.
State: LA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions 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:
XXXX BANK DATE OPENED : XX/XX/XXXX REPORTING PAST DUE 30 DAY PAYMENT IN XXXX XXXX 30 DAYS PAST DUE XXXX XXXX  60 DAYS PAST DUE XXXX XXXX 60 DAYS PAST DUE XXXX XXXX 90 DAYS PAST DUE XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Below are unauthorized inquires that were reported to the credit agency. Transunion would not help remove negative inquiries off my report as they should according to the FCRA for unverified and unauthorized items. 

XXXX XXXX  XX/XX/XXXX Reported to Transunion XXXX XXXX XXXX XX/XX/XXXX Reported to Transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Amerisave has the worst customer service of any mortgage company I have ever dealt with, from the start I should have realized when it took much longer to close and getting loan officer to call back took multiple tries. Amerisave mortgage is not reporting my payments and says that I show being in an active Bankruptcy 7 months after it was discharged. I informed them in the beginning of XX/XX/2020 that it had been discharged in XXXX. I have on multiple occasions told them and a simple look at my credit report reflects this information but amerisave refuses to correct the information and report my payments. My online account with them has been locked since we filed in XX/XX/2020 and they charge {$11.00} to make over the phone payments. They did inform me I could mail check payments in however this is very inconvenient and would not be an issue if they corrected the information on their end. I requested information from a customer service representative named XXXX about a the break down of my payment and the escrow accounts and was told that it was against company policy to give out this information without a written request for accounts under an active bankruptcy. She told me to speak to XXXX the Loan Processor which I left 2 messages for today.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TO WHOM IT MAY CONCERN : This complaint is regarding EQUIFAX reporting of a PUBLIC RECORD for CHAPTER XXXX BANKRUPTCY. I previously disputed this via certified mail letters, which included : my name, social security #, address, DOB, exact record being disputed was identified/circled on copy of a previous credit report, and a narrative/explanation detailing why the info is inaccurate, and requested Equifax to delete the information, to investigate the disputed data and provide documentation showing how this record is correct, because it is not. Certified letters were sent to Equifax several times over last year,XX/XX/XXXX. Its nowXX/XX/XXXX. Proper notice has been provided to Equifax on plenty of occasions. No response has been provided by Equifax who has failed to comply with their investigation requirements, violating both Federal and State law. Again, I am disputing this datas accuracy. This public record expresses that Equifax has acted with negligent noncompliance and willful violation of their duties under the FCRA, such as their duty as a CRA to update the accuracy of information being reported. This Public Record should not be on my file. -- ->SOME OF THE PERSONAL INFORMATION and the DATE OF THIS RECORD IS INACCURATE.< -- - InXX/XX/XXXX, new mandates took effect commanding data of Public Records on Credit Reports , that they MUST include/match the name, address, and Social Security # or date of birth of a person to which the record is connected, or else the data/record must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Executive Credit Management, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The collection was opened XX/XX/2019, I sent letters to the collection agency, I wrote letters to all 3 three credit companies. everyone has failed to provide me documents saying what's the money I owe, copies of any paperwork showing that I agreed to pay what they say I owe or provide any license numbers, registered agent paperwork or anything of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: CITIBANK, N.A.
State: OK
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I got a call from a Citi fraud rep advising me my debit card had been skimmed at a gas station and that the skimmer was using my card in Texas at a best buy. The rep then told me to log into my app and hit okay on a wire transfer so they could lock my account. I didnt realize that scam callers could spoof your banks number. Actual Citi reps have called me before and give them the verification code to make changes to my account before so i assumed this was what was going on since they also asked for the code. I filed a dispute with Citi but I got a letter today XX/XX/XXXX stating t hat since the wire came from my app they will not be refunding me the {$2800.00} that was taken out of my account. I did not benefit from this transaction at all and was actually scammed and now they are shutting down. Please assist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
On XX/XX/XXXX I notified XXXX, XXXX and Transunion that my credit report is reporting incorrect information in regards to XXXX XXXX  account. All 3 stated initially that the information is verified and correct. XXXX specifically stated that within 24b hrs. of receiving the complaint. I factually know it's impossible for XXXX to determine the correctness of the information within that frame of time. 
On XXXX and in XXXX I again submitted information to dispute the information but again without an investigation they rejected it.

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 2021-02-06
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
This is a complaint about the company Money Network who is contracted to issue/oversee the Economic Impact Paymant ( Stimulus ) card, My complaint is that I am having a great deal of difficulty withdrawing money without being charged fees, Today ( XX/XX/21 at approximately XXXX XXXX  I went to XXXX at XXXX XXXX XXXX XXXX CA XXXX to withdraw the money from my card at the XXXX ATM. I input the card and correct pin number and the machine cancelled the transaction ( no explanation given as to why. ) At approximately XXXX XXXX  my husband went to the XXXX XXXX  at XXXX XXXX XXXX XXXX  CA XXXX and attempted to withdraw money only to be told there would be a XXXX fee charged, despite it being a XXXX  ATM. We obtained both of these locations off a online list as suggested by Money Network. 

A telephone call to Money Network ( which makes callers listen to lengthy informational messages and push multiple prompts before getting help ) reported that though the XXXX XXXX location ATM was an XXXX ATM, it wasn't an 'in-network '' XXXX ATM. How can the public naviagate this purposefully confusing system? The only explanation for such subterfuge that I can think of is that Money Network hopes consumers will just give up and pay the fees, which is outrageous during a pandemic. 

There should be no fees associated with obtaining Stimulus funds -- period. A clear list of the location of truly fee-less ATMS should be provided to every payee with the card itself. The money should be easily assessible without multiple tripss and surprise fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm in the process of buying my first home and I went to review my XXXX Report with Experian to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccuracies actively being reported by XXXX XXXX account XXXX XXXX. These inaccuracies are a SERIOUS violation of my rights as a consumer. The alleged account has already been Charged-off and a XXXX should've been filed and reported with the IRS by XXXX. I never received a copy of this XXXX. Instead, XXXX XXXX XXXX trying to illegally collect on an alleged debt that has already been satisfied. This a a clear violation of my rights as a consumer. XXXX XXXX XXXX ( b ) Compliance and Procedures states : ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I demanded to see verifiable proof ( i.e. an original consumer contract with my name on it ) that Experian, XXXX, or XXXX had on file for the account listed below or a Certification from the creditor that certified the accuracy and completeness of the information/account. I received nothing. Instead, Experian responded back by updating my account to XXXX status, which is a further violation of my rights as a XXXX. XXXX XXXX XXXX Responsibilities of furnishers of Information to Consumer Reporting Agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation XXXX : correct in all details ; exact PROHITIBION : a law or regulation forbidding something. As Defined by the IRS Even if XXXX XXXX XXXX a Form XXXX, the law compels them to report cancelled debt as gross income on their tax returns. The IRS clearly defines a CHARGEOFF as Gross or Ordinary income. INCOME CAN NOT LEGALLY BE REPORTED ON THE CONSUMER REPORT, which in fact makes their continued reporting of this account inaccurate! My rights as a consumer are being violated and my character is being defamed. Therefore I demand that this account be permanently DELETED from my Experian, XXXX, and XXXX XXXX Report 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
Consumer complaint received 2023-05-22
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this 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 2023-03-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been in communication with XXXX Insurance with fraudulent charges made to my business account since 2021. The sum is a rough estimate of {$1000.00}. XXXX is well aware of the issue and I have done everything on my end that was required to receive funds back from merchant. My bank refunded me per visa and debit card 60 days of charges. I am still owed for the months my bank will not cover as this is not their responsibility. I have been to my bank to obtain documentation to submit to XXXX fraud department which I faxed per their request. It has now been 3 months and XXXX has not notified me of any advance on their part. They simply redirect me to my bank. I have called 12 times and still no resolution on money they were taking out of my account they are aware are fraudulent. I have hit a wall and just want the merchant to reimburse me and give me documentation after so I can file with police to hopefully get resolution legally on person or persons using my info to pay XXXX for whatever it was. XXXX wont release any info per privacy. This has been going on for years, sometimes twice a month and different increments.

Company response to consumer: Closed with explanation