BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: Community Health Investment Company, LLC.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a XXXX on XX/XX/XXXX. I filed for divorce in XX/XX/XXXX. It was my understanding that the medical debt was taken care of by my ex husband. I never received a bill and I had no idea that there was a balance to be paid. I would have happily arranged payments with the doctor had I known there was an outstanding balance. I am very angry. I have near perfect credit and this needs to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States XXXX have the right to privacy. 

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A letter of dispute has been initiated on XX/XX/2022 with dispute report number XXXX, to remove personal information that is inaccurate on my credit report. 
According to the Fair Credit Report Act 12 USC 1681. I have a right to privacy. Also, according to 15 USC 6802, No financial Institute is supposed to share my personal information with a third-party entity. 
These are clear violations of my federally protected consumer rights list. 
XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I bank with US Bank. When using our debit cards, the transactions pend sometimes up to a week and a half. We always go by the available balance as instructed by the bank, but due to the error in processing the transactions in a timely manner, it inaccurately reflects in the available balance causing us to continually transfer funds to cover the checking so we do not overdraft.

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 2022-09-30
Company: Westlake Services, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Wilshire Consumer Credit fraudulently placed me into a car title loan contract on XX/XX/2022. Although they are licensed to do business in Ohio, they failed to abide by the Ohio Revised code Section XXXX that prohibits licensee from accepting title or registration of a vehicle as security for the obligation. Also, according to the Ohio Revised code Section XXXX, the loan must not be more than {$1000.00} and extend the maximum of one year. I was not aware of this until after the false contract was completed. Since then they have placed the account on my credit report which goes against the consumer reporting laws and my consumer rights to privacy. This, in turn, has made it hard for me to obtain any credit going forward. I will be submitting a complaint to the Ohio Attorney General as well as the FTC regarding this matter. I want the account removed from my credit report and any money/interest paid to the company on behalf of my signature to be returned to 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 2022-08-24
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 I attempted to make a payment to my roommate for {$450.00} drawing from my savings account ( XXXX XXXX XXXX XXXX ), my roommate received the funds ( {$450.00} ) to his Paypal account, but on XX/XX/2022 he notified me that the funds had been removed back from his account. After contacting Paypal to see why the funds were withdrawn from his account I was notified that they were unable to retrieve the funds from my bank, and that later my bank had filed a dispute and the funds had been returned. I never filed a dispute with my bank so I contacted them, ( XXXX XXXX ) and they had no records of the transaction whatsoever involving my account or request for funds from Paypal involving my account. My bank advised me to check with Paypal to ensure the proper account number and/or routing numbers were used. I contacted Paypal again multiple times trying to verify the full account number and routing numbers so I could try to find where the funds were sent, on multiple occasions I was transferred to various departments to try and trace where the funds wound up, and told that I would receive contact with the information within 24 hours, but never received the requested information on any occasion. I have now received a letter from a collection agency for the funds even Paypal has failed to provide the requested information of where the funds were sent or verification of the full account/routing numbers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
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 am a victim of identity theft and XXXX XXXX XXXX  XXXX is a fraudulent account reporting to my credit. I have attached an FTC report along with utility bill, SSN card and drivers license. 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX  XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by XXXX, and I have been abused and deceived. So be it. XXXX XXXX XXXX  XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX  XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX  XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Block, Inc.
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 will try to be as brief as possible. We had a debit card issued through Square Banking. Our information was stolen ( we believe ) by a staff member at a restaurant and a fraudulent card was created and used to drain and overdraw our account. We did not lose the debit card. We have been working with Square since XX/XX/XXXX to resolve the issue and it seems they are not doing anything to assist in getting all of our money back. We have received a portion ; however, there is still approximately $ XXXX {$2000.00} outstanding. The feedback we receive is blaming the merchant ( XXXX XXXX ) on not resolving it. We are very frustrated and need help with this please.I have spoken to many representatives with Square since XX/XX/XXXX and I am always told the same thing... they will escalate to their claims department. We filed a police report ; however, the criminals have not been caught. Any help would be appreciated. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I have a CD that became mature as of XXXX - XXXX. The bank involved did not send me information about maturity and I recently stumbled onto the receipts. When I brought them forward to the bank involved, the indicated that they had no record and were unable to help me despite my receipts and account numbers. 

The bank involved included : XXXX XXXX, maturity date : XX/XX/XXXX - {$1000.00} I have official copies of everything. Thank you for your help. 
XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I'm reporting that transunion been provided in accurate information. As I asked for my credit report and asked them to remove in accurate information. This matter was never completed. Which this is costing me thousands of dollars reporting in accurate information on my credit report. 

I'm demanding this information to be removed due to The Fair Act Credit laws. 

please delete any other references to names as they are not mine and I have never used any of them. 

My only legal name : XXXX XXXX My only current address : XXXX XXXX XXXX XXXX XXXX IL XXXX My only Employer : XXXX XXXX  My only Phone Number : 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 2022-10-24
Company: Albert Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This is an online ONLY debit card account is with The Albert XXXX debit card issued by XXXX XXXX for Copyright XXXX, Albert Corporation. The app is called Albert. 

I started this account XX/XX/XXXX. Have a rainy day savings of {$300.00} and want to close this card out and transfer funds to my bank account. Which is linked to this card. This company asks for verification of linked accounts. I provided two banks. My primary XXXX account was recently closed. I still have XXXX, but a different account number. I also linked my XXXX account. This Albert app is refusing to surrender funds. And continue going back and forth stating that they are unable to verify any of my bank information provided, six times already over the past month. I realized that these people are purposely withholding funds. There no solid way to communicate with them, other than the app, not even an email. When communicating via the app, I then receive a text message from some random individual in response to info from the app. Quite confusing. The text is the same information each time. It never changes it reads as follows : It looks like the statement we received doesn't match the bank account we're trying to verify. Please upload the correct statement. 

To re-upload your statement : Pull down on the home screen to refresh the app. 
Go to the profile tab ( ). 
Tap " Linked accounts. '' Tap " Action required '' next to the institution we're verifying. 
Tap " Upload statements. 

And the process starts all over again. Over and over. I then decided to look into the XXXX XXXX XXXX  and saw complaint after complaint. Yet XXXX  response was the same for all consumers. Below is the generic text response in XXXX XXXX XXXX from Albert : We've reviewed your concern and have identified we've resolved the issue directly via text. Please contact our customer support department by texting****************************************** Please assist in this matter. As I do not believe this company plans on returning my money. Plus they have now placed an unauthorized charge on my XXXX account. 

They obviously are covering themselves by making generic responses with XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Quite some weeks ago I filed concurrent complaints with the CFPB, Equifax, XXXX, XXXX   and XXXX about the volume of unsolicited and patently illegal credit offers appearing in my mail boxes. 

In my complaints, I obviously requested to " opt-out '' of such offers, however I also made explicit inquiries with EACH of those listed about about how and to whom they made decisions about provided my personal information without my consent ( including lenders offering lines of credit at 350 % to over 500 % APRs ). 

Let me be clear about the concerns I expressed - Equifax, XXXX, XXXX and XXXX each sold or otherwise provided my personal details for lenders ostensibly operating from Tribal territories, who sent me reams of unsolicited credit offers that violated US consumer protection laws - and EACH of those listed failed to even acknowledge my inquiries, let alone respond. 

Similarly, CFPB failed to follow-up or provide substantive assistance as well. I can tell that CFPB did little more than forward my inquiry to these firms. 

All listed should know that I am compiling a comprehensive record of the offers received, but my complaints and concerns provided, and the response ( or lack of response ) from those listed, to provide as an investigative file to the XXXX XXXX. The XXXX 's investigative teams seem to see parallels between current lending trends and rates of fraud and other illegal behavior, and the 2008 financial system crash. I happen to agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: GOLDMAN SACHS BANK USA
State: NJ
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:
On XX/XX/2022 I made a payment to the credit card Marcus Sachs of {$500.00}. My payment was XXXX the money order was cashed XX/XX/XXXX I called to make a report. Five times also on my credit score. They told me that my money order is in a different XXXX XXXX but it has the same name of the credit company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is against Bull City Financial Solutions the original creditor is XXXX XXXX XXXX XXXX I received a notice that I owed a balance of {$390.00} from Bull City Financial Solutions being that I never heard of the place I called to see what the balance was and why are they contacting me they informed me that I was admit it to XXXX XXXX Hospital XX/XX/XXXX in which they said that I had a child that was born that day who was XXXX I inform them that I was not admitted in the hospital to deliver a child in XXXX my last child was born XX/XX/XXXX I do not have a child XXXX years old and the debt is not mine so remove it from my credit they refused to remove it from my credit and they insist that I had a child that was born XX/XX/XXXX and was XXXX XXXX and XXXX XXXX Hospital I told them to do the research I am XXXX years old my youngest son was born XX/XX/XXXX I would like to add also that I received the XXXX XXXX XX/XX/XXXX there is no way that I had a baby in XXXX and I need that debt removed from my credit they refused. Not sure how they even obtain my information to even send me a bill and I need this investigated because obviously I am another victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: AL
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:
According to the fair credit reporting act. My credit report do not match whats so ever. I remember applying for something and got denied for a repossession of a car or something, but that is weird because I HAVE NEVER HAD XXXX  CAR REPOSESSED. Im always on time with bills and such so them saying that I have multiple repos is not correct and has had me denied for XXXX thing. Lastly, I have reported over XXXX times about the inquires that are taking place on my credit. These inquires are not correct. I have a copy of my XXXX  credit report that only shows XXXX hard inquires but I have XXXX and XXXX inquiries on equifax and XXXX XXXX. If this does not get resolved I will in fact being sueing them for falsifying my credit report. This is definite abuse to the fair credit reporting act. I believe in being fair and the XXXX inquires that are on my XXXX XXXX and equifax all are wrong I have tried multiple times to talk with someone but get no shot at anything because the representatives are rude and think they know everything. Also it has taken wayyy over time from when we were supposed to hear something back but just got a credit report in the mail which is not fixing my credit. If I dont have my credit report match what is on my XXXX  credit report I will be looking into an attorney soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Franklin Financial  Corporation
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
{$1100.00} opened XX/XX/2015 I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). 

If you can not perform this type of investigation or locate all of the records to investigate this dispute, please update the credit bureaus to remove the information. 

Im also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. Then I may conduct my own investigation.

Company response to consumer: Closed with explanation