BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: U.S. BANCORP
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 I went to a bar/restaurant called XXXX. My friend and I each had a slice of pizza and a drink. The server asked to keep a card on file. I said we were paying with cash and she said the card would not be run and assured us we would still be able to pay with cash. When we were ready to leave and asked for the bill I noticed my phone alert me that I had been charged for the {$22.00}. I reminded the server that we were paying with cash and she apologized and said the charge would be reversed. My friend then paid with cash and we left. 

The charge was never removed and due to the lock downs I am still unable to get in touch with the merchant. 

I filed a dispute with my credit card company US Bank in XXXX but they made an error. I finally had to call and start over with the dispute on XX/XX/2020. They issued a provisional credit on XX/XX/2020 and sent a letter for me to explain what happened. I provided a detailed description stating that I had never authorized the charge and it had been paid for. 

I included that the receipt was never signed by me at the restaurant. 

Today on XX/XX/2020 the credit was reversed and I received a letter from US Bank Cardmember Services that they would not reverse the charge because I had no proof that I had paid another way. 

This is beside the point. The issue is that my card was charged without my consent and there was no signature given. What use is there in providing a signature if a merchant can just run your card and not be expected to show proof that you had authorized the charge. 

I am requesting help in getting US Bank and Visa to honor their own rules and refund me the {$22.00}

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 2018-04-03
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: Investigation took more than 30 days

Complaint:
Over 45 days ago, I sent a request to Equifax and XXXX XXXX asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice to collect a debt, on XX/XX/XXXX on XX/XX/XXXX I called to verify debt and speak to a manager about some discrepancies within the document. I was given an additional phone number to call a manager separately. So I called the same day XX/XX/XXXX and was put straight to voicemail. I gave it a few days with no response, called again between XXXX left another voicemail, still no response. I then called the main number again asking for a way to clarify/resolve this complaint only to be told to speak to a manager and gave me the same number, which I then said I had already tried calling. I then called again 2x on XXXX ( the managers number that was given to me ) and left additional voice messages and still as of today XX/XX/XXXX still have not received a response back. However, today this account was reported on my credit report without ever receiving a phone call or verification. 

I also want to note that I even called the original creditor ( the medical facility ) who also told me I need to speak to EOS to resolve this matter. So I have exhausted all I can do until a manager calls me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi CFPB, I had closed my American Express Serve account on approximately XX/XX/2021, transferring out the remaining {$500.00} to my outside checking account. However, American Express Serve had taken back the {$500.00} from my account with no explanation and have not been able to locate or identify where my {$500.00} is. Their customer service team has been very dismissive of my request despite repeated calls and attempts to locate my money. I would like to file this complaint in order to have American Express Serve return my money. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$8500.00} XXXX XXXX {$0.00} XXXX XXXX {$3700.00} XXXX XXXX {$390.00} XXXX  XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: IA
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 received a copy of my credit report from Experian and per review, a stated public record is listed to my report for Bankruptcy. I sent a disputed this with Experian XX/XX/2018 requesting an investigation for state public record listed to my report. I requested Experian Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, Verified. Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Iowa stating The U.S. Bankruptcy Court does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. Experian is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any accounts to my report referencing Bankruptcy information.

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 2023-04-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the account. They told me they send the statements to the wrong address and agreed to update to open/never late. Please adjust accordingly. 

XXXX XXXX .... Date Opened XX/XX/18 Balance {$1200.00}

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 2018-07-11
Company: EQUIFAX, INC.
State: NC
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 already contacted XXXX XXXX XXXX several times via secured message as well as phone calls on throughout the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Sometimes numerous of times trying to get this resolve. 

I have several inquiries on my accounts within days apart or within one week apart. Some stem from one auto loan request that the representative claiming my credit would not be ran or impacted because it is all within one month. And these were simply appeals and they other ones were not authorized by me at all. 

I have inquiries that were not authorized for XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I called tax office to get update on refund. Was advised it was not in & that I could call federal tax offset number. Called and discovered they had been offsetted by previous lender. There has been no contact, no legal action. Account on credit reports say account is Closed and status Foreclosure Redeemed. Also that creditor retook possession. I have receive no updates on foreclosure since moving JXX/XX/XXXX. 
I called the in-town lending office, she had no file for me, no account number. Said she didnt understand why they would take my taxes. That the property was Sold by a Realtor Office. Said she would call home office and call me back. Received call back the next day, she tells me that what she understands from them is that they sent certified mail to me XX/XX/XXXX and account was Satisfied XX/XX/XXXX, by them taking my 9, xxx in tax returns. I didnt receive anything Certified. The Account on credit reports say Closed as of XX/XX/XXXX and balance due {$0.00}. I have heard nothing about owing on loan after the foreclosed, until years later??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: MO
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:
DATES OF DELINQUENCY FOR XXXX XXXX  ARE INCORRECT. EXPERIAN & XXXX  HAVE BEEN ASKED TO CORRECT THE DATE OF DELINQUENCY AND ALL MISSING INFORMATION FROM ORIGINAL CREDITOR TO XXXX MULTIPLE TIMES. THEY HAVE REFUSED TO ADD MISSING DATA AND CORRECT THE INCORRECT DATA. THEY CLAIM THIS IS VERIFIED BY COLLECTIONS AGENCY BUT NO ADDITIONAL DATD HAS BEEN ADDED OR CORRECTED. THIS DEBT IS 5 YEARS OLD. IT WAS NOT ESTABLISHED IN XXXX. THE COLLECTIONS AGENCY IS ILLEGALLY REPORTING INCORRECT DATA. XXXX  INVESTIGATED MY DISPUTE AND THIS RESULTED IN THE COLLECTION BEING REMOVED FROM MY REPORT BECAUSE THEY COULD NOT VERIFY THE DATA!!!!! EXPERIAN AND XXXX  NEED TO FOLLOW SUIT!!!!

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 2019-11-16
Company: DISCOVER BANK
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I tried to work with the credit card company Discover, but they wouldn't work with me on what I could afford due to not working while fighting XXXX, now they call me from some bogus phone number and want me to call them, they call me every single day at least once sometimes several times. I've told them that my situation hasn't changed and that as soon as I can do something to begin payments I will contact them but they are still calling every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have recently obtained a copy of my credit report. it showed a charge off by your company " Sync/XXXX XXXX '' that I do not recall. The last time it was reported was XX/XX/2015.

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 2021-02-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Received settlement offer {$9500.00} on XXXX paid in full and now they are saying I didnt which is not correct. They have a collection company calling me and they need to stop and i want a letter saying the two loans were settled in full. They are saying payments of {$1100.00} and {$1700.00} were rejected by my bank. These numbers are random and not anything i paid .. see attached cancelled checks account # XXXX Loans ending in XXXX and XXXX XXXX {$1500.00} paid XXXX {$1500.00} paid XXXX {$1500.00} paid XXXX {$2400.00} paid XXXX {$2300.00} paid XXXX {$200.00} paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: MoneyLion Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX i received a personal loan into my MoneyLion checking account via direct deposit. On that day I also made a purchase of just under {$1000.00}. On XX/XX/XXXX my debit card was declined for a small XXXX transaction. When I checked my account there was a noticed that said were seeing slower than normal responses retrieving your balance. Dont worry, you can still use your debit card to make purchases or withdrawal cash. After seeing this message I contacted customer support who informed me that that account had actually been deactivated due to suspicious activity. I was never contacted asking if the transactions made were initiated by me, they just shut my account down leaving me without access to my account and all of my funds. When I asked how the matter could be resolved I was instructed to send a copy of my current ID, proof of address and an explanation of the charges to their resolutions department. they then told me it would be 3-5 business days to get back to me. I asked to speak with someone in resolutions to expedite the process and they said they could not contact them. I have now been without access to my checking account for 3 days with no access to money. This completely cut me off from all funds and there is the potential this will not be resolved until Friday. This is not a normal banking practice. I was never reached out to by them regarding this and I only discovered it by my card being declined. It is completely unacceptable for the to cut someone off from their account for potentially a week. I sent them all information requested early on Friday as well as several follow up emails with no response. This online bank Id backed by XXXX XXXXXXXX XXXX whom I will also be filling a complaint with through the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to remove the Fraud alert and credit freeze off my credit report ASAP!! 

I need the updates below done. I dont have a phone number on my credit report either. New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Job : XXXX XXXX My Phone Number : XXXX Please remove the the Alerts ASAP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, Recenty, I submitted a third written request to TransUnion to dispute several items that could not be verified on my credit reports. The letters were notarized and sent to several of their PO Box addresses registered for their company on XX/XX/XXXX. Not only were the errors not fixed ; but I wasn't even given the courtesy of a response as legally mandated by the FDCPA. I have not received any correspondence from them whatsoever from any of the four letters that were sent on this day.

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that TransUnion immediately delete this information from my credit reports.

I have listed the accounts from the original letter in an attachment to this complaint. To not hear anything back in two months is a blatant violation and has begun to cost me financially based on my credit worthiness being negatively impacted. I also have included results from another credit bureaus investigation for some of the accounts which resulted in XXXX  deleting those 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 2020-08-28
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have made multiple attempts to resolve this matter with the company in which they have refused on multiple occasions my request for debt validation and proof of claim on the debt they say I owe another company. 

I have sent multiple certified mailings requesting debt validation and proof of claim. In which they all received. The last request has been made by phone with a representative by the name of XXXX XXXX in which I was transferred to the supervisor to process my request in which I was hung up on. 

They have intentionally avoided communications with me and have refused to remove the debt from my credit report during the dispute process and follow the laws for debt collection. This one account has seriously damaged my credit report because of their illegal and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am enrolled in autopay for my Barclaycard US credit card. However, Barclay has consistently debited funds from my XXXX XXXX XXXX checking account in excess of what is due. On XX/XX/2021, Barclaycard debited {$5100.00} from my checking account to cover an account balance of {$570.00}. After the transaction posted, my credit card had a balance ( credit owing to me ) of {$4500.00}. 
In the past, Barclay offered me 12 months deferred interest on a computer transaction, but automatically debited the full amount of the purchase in the first month.

I have repeatedly called Barclay about errors in the payments they are automatically withdrawing from my checking account, but nothing has been done to fix this problem. 
To fix this latest incident of overpayment XXXX {$5100.00} ) Barclay offered to send me a check, which could arrive between 10 and 15 days ( case ID XXXX ). However, their offer does not account for financial damages I will suffer for having insufficient funds available to cover other credit card payments and to meet minimum checking account balance requirements that are immediately due. 
The only solution available to me is to incur personal debt to cover Barclaycard 's mistake.

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