BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXXXXXX XXXX XXXX, I ordered two XXXX XXXX phones and two lines of service. XXXX XXXX shipped the phones to the wrong address, so I cancelled the order and decided not to get service with XXXX XXXX. XXXX then charged me for a bill that I never owed and sent it to collections when I refused to pay something I don't owe. XXXX XXXX does not have a previous account number for me or any information about because I never had wireless service with them, but they charged me for it anyway. Now, I have a negative mark on my credit report saying that I had owed {$100.00} to XXXX XXXXXXXX XXXX XXXXXXXX as of XX/XX/2022, and the account was closed as of XX/XX/2022. I have repeatedly called XXXX XXXX and the debt collector to fix this issue, and both are refusing. They tell me that I need to call the other company no matter who I call. This illegally charged debt has negatively effected my credit score and I need help getting this corrected as soon as possible, because neither XXXX XXXX nor the debt collector will do anything to fix this. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: ADP Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
A debt collector by the name of XXXX XXXX XXXX submitted a Garnishment Order in the state of XXXX to my place of employment using the company ADP Inc . I am a consumer in the state of XXXX My wages are earned in the state of XXXX ADP has sent a email stating the garnishment order is valid from the state of XXXX.

The state of XXXX also does not have any jurisdiction in the state of XXXX.

Pursuant the XXXX  Constitution Article 16. Section 28. GARNISHMENT OF WAGES. No current wages for personal service shall ever be subject to garnishment, except for the enforcement of court-ordered child support payments or spousal maintenance.

I have contacted ADP at XXXX and was advised that the garnishment is valid. ADP advised that they will not stop the garnishment. ADP advised that only the attorney from the XXXX  court order can stop the garnishment.

This is a violation of my consumer rights and XXXX state laws.

I did not give ADP ANY permission to collect ANY debt from my wages. 

An FTC Complaint has been submitted as well as a XXXX Attorney general complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: PA
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:
Sent multiple letters from XX/XX/XXXX to XX/XX/XXXX specifying accounts I saw on my report that are not mine and erroneous information was not deleted. Got no response at all after XX/XX/XXXX letter.

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 2022-11-29
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Initially spoke to Citi on XX/XX/XXXX regarding non-fulfillment of the promotional bonus offered for opening a checking account, enrolling in the bonus offer and depositing and maintaining a balance of {$10000.00} for 60 days. 

I made sure the offer had been applied, and as you can see by the chat log attached and what the customer service rep confirmed, that all parts of the offer were fulfilled on my end as indicated below : Account was opened in XX/XX/XXXX with initial deposit of {$10000.00}. 
Minimum balance of XXXX USD was kept for 60 days until XX/XX/XXXX. 
Cash bonus was not deposited within 30 days as assured by the promotional offer. 

I have attached a conversation with the first customer service rep on XX/XX/XXXX. 
I contacted them through the phone various times on XX/XX/XXXX, then again the week of XX/XX/XXXX, and they " escalated '' the issue to the promotional team who said this would be resolved in the next XXXX business days. It never did and I did not receive a response. Today is XX/XX/XXXX which is roughly XXXX business days after. 

I have attached a copy of the promotional offer as well.

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 2022-06-27
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX XXXX an email that we signed up for wire transfer two transfers 1st {$170.00} + {$30.00} fee and 2nd {$17000.00} + {$30.00} fee. I called Wells Fargo immediately after that. Reported the fraud closed the account and opened a new one and got a claim number ( XXXX ). Transferred {$20000.00} into the new account. The money from the wire had not come out yet. 
XX/XX/XXXX The two wire transfers came out of the new account totaling {$17000.00} XX/XX/XXXX Called to follow up and got a new claim number ( XXXX ). 
Nobody could explain why I got a second claim number and why the wire came out of the new account 3 days later XX/XX/XXXX Claim got denied, they said my log on information was used. I asked for proof showing the login and they said the code was sent to my phone to authorize the transaction. There was never a code sent to my phone, there should have been 3 codes one for the wire set up and one for each wire transfer. I asked for them to send me the time stamp and codes that were " sent '' to my phone, so I can verify with XXXX XXXX XXXX. I never received the information. 
XX/XX/XXXX Called to follow up and asked how the wire transfers came out of the new account when the money was still in the old account to transfer. I got transferred to 6 different people without an answer or resolution. Asked again for the time stamp and security code information, still haven't received it. 
XX/XX/XXXX Filed a police report XXXX XX/XX/XXXX got declined again from the executive case specialist I have bank statements showing the money being transferred to the new account on 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 2022-11-29
Company: R.M. Galicia, Inc.
State: GA
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:
police report and fraud report submitted to company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been trying to pay my Comenity Victoria 's Secret card bill for over a week now. Can not use the card for purchases. I tried accessing their website to pay my bill and they are having a system outage. I tried calling them and no one is available for calls. This company isn't releasing any information over what is happening NOR are they offering to waive late fees. This has been from XXXX through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: NY
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:
on XX/XX/2022 i sent letters to XXXX, Equifax and XXXX about accounts that were opened with identity theft, they didn't remove all the accounts that was listed as id theft and thats against the law. i sent letters again to XXXX, Equifax and XXXX on XXXX because they didn't remove XXXX  XXXX  A/C # XXXX 2.XXXX/XXXX  A/C # XXXX eventhough its id theft and i sent my ftc they still failed to delete it eventhough by law ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking law please make them follow law and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have reached out to credit acceptance multiple times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX... They have not responded to my letters. They expressed to me that the company " credit acceptance '' no longer holding the contract but still reporting it on my consumers report with the wrong contact Information. They have sold the account to a collection agency. They did not disclose this Information to me. 15 U.S code 1681b They do not have my hand written signature giving permissible purpose.

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 2022-11-30
Company: AES/PHEAA
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: Reporting company used your report improperly

Complaint:
In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2020-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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 was in bed and received text notification that there were suspicious fraudulent transactions at XXXX gas stations and XXXX. I responded to the text and also online account to dispute the charge of {$56.00} that went through at XXXX. On XX/XX/XXXX the company sent me a letter denied my dispute and stating that the card chip was read and was signed by me when it was not. On XX/XX/XXXX, I was at home and had both of the cards in my possession. I called back to have the claim reopen and investigate again but have not heard ever seen. I called in XXXX and followed up and somehow one of the agent told me it takes two billing cycle to see the result. On XX/XX/XXXX, I tried to follow up on the fraudulent claim using the number on the letter again. After being on hold for an hour, I was able to speak to a representative and the agent told me its not them that handle the claim and transferred me to another department that responsible for it and I was on hold for another 30 minutes. The representative in this department told me its not them to handle the claim either so they give me another number which refer back to the first department I spoke to. I even request to speak to a supervisor to see if they can help me. I expressed my concern regarding the issue and the only thing she said to transfer back to the original department. It is a frustration to waste time going back and forth one from department to another where nobody know how to solve this claim. I feel like this is a very serious issue being a customer of a credit card company that is not helping to protect the customer

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 2022-11-30
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent letter to validate my debt to AARGON Agency on XX/XX/2022 they have not provided anything and ignoring 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 2022-08-22
Company: Experian Information Solutions Inc.
State: CA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act DPT TREASURY XXXX and XXXX XXXX have violated my rights. 

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

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.

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 2022-11-29
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I do not have records in front of me. They are contained in emails sent by Discover. I used this card quite a bit at first, and decided to create an online account so I could see why my balance increased suddenly by a few XXXX dollars. I found XXXX fraudulent charges-1 with XXXX XXXX Glasses, and another charge for a optometrist that did not happen. I watched my account change before my eyes... However my balance was still extraordinarily high. 
I closed the account and Discover said they did not see this at all. 
I changed my payment to auto-pay for {$100.00} a month until I saw my balance was in the {$400.00} range. 
I decided to drop my payment to {$50.00} per month, and saw that last month, instead of reducing my balance, instead it increased to the {$500.00} range. 
Before finding this out, I tried to re-open my account since I now have a new raise and a job with the city. 
Discover rejected my application and added extra interest... to me, it seemed like a COERCIVE ATTEMPT TO PERSUADE ME TO PAY THE CARD OFF AT ONCE ... INTIMIDATION. 
I have had persistent problems with Account Execs who do not have the skillset vocabulary to know the difference between earning interest vs. being charged interest. I could not get them to give me the actual amounts either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I had mailed a check to my lawyer at the end of XXXX. On XX/XX/XXXX, I opened my Capital One checking account and realized {$8300.00} had been withdrawn NOT authorized by me. I noticed a check for that amount in my account, which was not written by me or in my handwriting. It was a check number from my account and that I had recently written check XXXX for {$10000.00} out to my lawyer XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and mailed it in a XXXX XXXX XXXX at XXXX and XXXX. My best guess is that someone must have intercepted and made a copy of my check and wrote it out payable to XXXX XXXX for {$8300.00}, which was not authorized by me. It is clearly a fraudulent check with no watermark on the back or area for the person to sign. I called Capital One to report immediately and froze my checking account to prevent any more fraud. As of today XX/XX/29, I am still waiting for Capital One to finish the investigation and return my money. I just learned that legally banks have a 10 day window to determine a fraud outcome. It has now been 25 days, and I have called numerous time to find out the status and Capital One has been of no help. I filed a police report, a XXXX fraud report, and XXXX Report, and an FTC report. 

Police Report # XXXX XXXX XXXX Request # XXXX FTC Report # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07
Company: Bread Financial Holdings, Inc.
State: NC
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:
I received a pre-approved offer from XXXX XXXX  visa on XX/XX/22. I applied for this and was approved on XX/XX/22 ( or so I thought ). I received my card on XX/XX/22 and activated it that same day. I set up my account on the website and attempting to set up my PIN # I was informed through the website that the account was closed and would/ could not be reopened. I was a little shocked at this. I contacted the bank who informed me ( rudely I might add ) that after reviewing my credit report the account was permanently closed. Thank goodness I didnt try to use it since that would have been very embarrassing. After conversations with a representative and a supervisor I was told that the account would not be placed on my report as that was my main concern. On XX/XX/22 I have once again received a PRE APPROVAL letter from Comenity Bank on behalf of XXXX XXXX for a Visa card. Once again I contacted the bank with no success. Today, XX/XX/22, I was notified that there was a new account on my report from XXXX XXXX XXXX. So again I contacted the bank who is refusing to remove this from my credit report. They did say they would be reporting the account as closed by lender which as you well know will be a derogatory blemish on my report. I do not think it is fair that my credit be dinged for an account that I never had access to. I am requesting that this account be removed from my file entirely. I made the suggestion to this bank to reword their offers. Pre approved is just that, not that I am invited to apply. They gave me an acceptance code??? Please help me so that my credit doesnt suffer from something I have NO CONTROL over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: ADP Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
A debt collector by the name of XXXX XXXX XXXX submitted a Garnishment Order in the state of Missouri to my place of employment using the company ADP Inc . I am a consumer in the state of Texas. My wages are earned in the state of Texas. ADP has sent a email stating the garnishment order is valid from the state of Missouri. 

The state of Missouri also does not have any jurisdiction in the state of Texas. 

Pursuant the Texas Constitution Article 16. Section 28. GARNISHMENT OF WAGES. No current wages for personal service shall ever be subject to garnishment, except for the enforcement of court-ordered child support payments or spousal maintenance. 

I have contacted ADP at XXXX and was advised that the garnishment is valid. ADP advised that they will not stop the garnishment. ADP advised that only the attorney from the Missouri court order can stop the garnishment. 

This is a violation of my consumer rights and Texas state laws. 

I did not give ADP ANY permission to collect ANY debt from my wages. 

An FTC Complaint has been submitted as well as a Texas Attorney general complaint.

Company response to consumer: Closed with explanation