BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: RSI Enterprises, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have taken XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX on XXXX XXXX they checked my insurance and ask my out of pocket that was full amount of that service, as I was having deductible plan and that was not meet till that time so at the time of service on XX/XX/XXXX, I paid full amount of XXXX $ that was full fee of XXXX XXXX 

all of sudden I received one mail from RSI Enterprise to collect my debt of XXXX XXXX first I called XXXX XXXX XXXX XXXX to confirm if there is any outstanding as I paid full in advance, they confirmed there is no outstanding and same they confirmermed over the email. 
then I contacted to Debt Collector company via phone and explained the same, that time they assured me that they are going to work and close the same. 
second time also I got one, mail from them and did the same. 
that time XXXX XXXX XXXX XXXX also confirmed that they will make sure to send required docs to Debt collector agency so that I wont get any such collection mails in future. 

now third time again I got the same letter from RSI Enterprise for the same amount.

That executive was not ready to listen to me and blaming me that I am having this debt to pay. again and again I was explaining to her that I already talked to XXXX XXXX XXXX XXXX and there is no due, even if there was a outstanding balance the should reach out to me rather a debt collection company directly but that executive was not ready to listen me. 
then I took XXXX XXXX XXXX XXXX and RSI over the conference bridge and XXXX XXXX XXXX XXXX billing department explained that there is no due on XXXX XXXX, and she will send this to his manager so that we can send close letter to RSI I am really very frustrated and disappointed due to such irresponsible behaviour of this DEBT collection company and want to take some action against them, Please refer attached email that have attached receipt and confirmation of no dues from XXXX XXXX XXXX XXXX that I send to RSI on XX/XX/XXXX ( Second time )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PDM IS ATTEMPTING TO COLLECT A DEBT THAT BELONGS TO XXXX XXXX XXXX. A DEBT TO A BUSINESS NOT A CONSUMER. I AUTHORIZED THE CONTRACTS FOR XXXX XXXX XXXX I DID NOT GURANTEE THEM. THIS IS ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX  website and account access still down. It has been over 2 months since they claim they are in the midst of a system update and I literally can not make a payment. There are hundreds of people complaining on XXXX XXXX XXXX page. 

XXXX is reporting me now as 2 missed payments when it is their fault that we can't make payments and my Experian score has gone from good to poor. 

This is making it impossible for me to lease space for my 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 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I closed that credit card

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 2022-08-02
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I specifically requested an account that does not authorize any overdraft. I want payment to be declined instead of pushing me into " the red ''. The TD Bank who opened the account assured me this was the case. Since then i have been charged thousands in overdraft fees. I was blatantly lied to when opening the account. Three different funds were Ach'ed from my account and my account was originally in the negative - {$140.00}. My account is now negative {$580.00} and I've spoken to a representative about the charges because all of the charges that were removed from my account as an ACH were returned back to my account, but the charges still remains. I asked the representative can the fees be credited back to my account and I will clear up the remaining negative balance but I am being told it can not be done. 

XX/XX/2022 FEE OVERDRAFT PD - {$70.00} XX/XX/2022 CREDIT  XXXX XXXX XXXX  XXXX {$680.00} XX/XX/2022 DEBIT OVERDRAFT RET. - {$35.00} XX/XX/2022 FEE MAINTENANCE FEE - {$15.00} XX/XX/2022 XXXX XXXX  XXXX {$130.00} XX/XX/2022 DEBIT OVERDRAFT RET - {$35.00} XX/XX/2022 DEBIT XXXX XXXX XXXX  XXXX - {$680.00} XX/XX/2022 FEE OVERDRAFT PD. - {$70.00} XX/XX/2022 XXXX XXXX XXXX - {$130.00} XX/XX/2022 XXXX XXXX XXXX XXXX  PAYMENT {$300.00} XX/XX/2022 DEBIT OVERDRAFT RET - {$35.00} XX/XX/2022 DEBIT XXXX XXXX XXXX  PAYMENT - {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2022 I suspected that another bank might have my sign in credentials for my above referenced Webster account. 

In talking with Websters fraud department I requested that my account be frozen until I could assure myself that my account was secure. 

Since that time I have resolved that there is no problem with unauthorized access and thus there is no further reason for the freeze. On XX/XX/2022 I was advised by Webster that the freeze could not be lifted, even though I, the account holder, have requested it. No other person or entity has my online access information. 

I was further advised to visit a Webster bank in person, but what this will accomplish was not clearly stated. Do I open a new account? Can I reopen my old one? How will I access funds? Because I am now living in a state nor serviced by Webster, my visit to a branch bank will require travel. 

I am a XXXX XXXX XXXX retired person who has been a customer of Webster for 40 years. All of my retirement income is deposited into my Webster account and all of my living expenses come out of it. Websters refusal to allow access to my funds is causing me severe financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: LA
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:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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: Account information incorrect

Complaint:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$500.00} XXXX  XXXX Balance Owed : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 with the fair credit reporting act and account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A 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 instruction.

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 2022-08-02
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX XXXX, I have reported this as my only name to the credit bureau and it is still not being reflected on my report. I demand that this be the only name reported and all others be deleted. I have attached an utility bill. 

In accordance with the Fair Credit Reporting act the following companies have have violated my rights. 

XXXX XXXXXXXX XXXX - Account number : XXXX XXXX XXXXXXXX - Account number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX - Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX  : Account number : XXXX 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. I have not provided permission.

15 USC 1681 ( a ) ( 4 ) Violation of Privacy- Your company did not ensure that this information is accurate, as it is reported differently or not at all on my other reports, and you do not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this the violation of my rights to privacy.

15 USC 1681 ( d ) ( A ) ( i ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate is whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CNG FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX contacted me XX/XX/XXXX stating that they were consumer location services and gave me a claim number of XXXX and told me to call XXXX regarding the claim. The representative told me that there was a warrant for my arrest out of XXXX XXXXXXXX XXXX I called the XXXX and gave the woman " XXXX '' the claim number, but she refused to tell me what this was regarding, told me that I'd be going to jail and good luck, then hung up on me. I called back and got someone different and she advised me that this was regarding a {$200.00} pay day loan from XXXX from Check n Go. She told me that I was being charged with Breach of Contract by failing to pay for the loan, defaulting on a loan agreement, and defrauding a financial institution because my bank account closed. I went through XXXX XXXX and lost my job as well as had my bank account go into the XXXX XXXX because of the XXXX  that occurred. My ex was writing bad checks online using my information. She wouldn't listen to me, she told me I had to pay XXXX XXXX upfront and if I could not then they will be at my place of residence or employment tomorrow with court documents charging me with felonies out of Kentucky.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am business banking customer who came in the XXXX XXXX branch to deposit ( Complaint id XXXX ) a Cashiers Check which was verified by the branch manager in XXXX XXXX XXXX XXXX XXXX placed an extended hold without advising me. When I called the Business Customer advocate was advised it is not policy but the managers discretion. So they verify funds and then placed an extended hold on the account. But then changed the story when I questioned things. This is the most XXXX thing I have experienced banking why XXXX. I believe the mangers actions were XXXX and XXXX motivated.

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 2021-08-04
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received multiple calls from Americollect regarding a debt that I had no idea about. I inquired as to what the debt was for and informed them that I have two different insurance companies both cover ambulance rides. Americollect refused to listen and I further found out that the bill had been sent over by XXXX XXXX without them attempting to bill my insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: GOLDMAN SACHS BANK USA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, I noticed a charge to the Apple Store dated XX/XX/2022 in the amount of {$1100.00}. I did not recognize this charge, nor did I authorize said charge. Today, I still don't recognize the charge, nor did I authorize the charge, nor did I receive any product associated to the charge. The charge was made on the Apple Card. 

On the same day, I have used the Apple Cards various communication methods ( customer support number and Apple XXXX  text messaging ) to try and resolve this. I was shuffled around to Goldman Sachs ( the handler of the Apple Card ), to the Apple Sales Team, Apple Pay Team, and then Back to Goldman Sachs. 

The Apple Store representative could not find any charge in the amount on my card, nor were they able to find any charge associated to the card.

Being tossed back to Goldman Sachs, the recommendation was to file a dispute, which I did. The case number is XXXX. 

On the same day I also filed a police report with my local police, the XXXX Police Bureau, detailing the credit card fraud charge. 

Today, on XX/XX/2022, I received an email that the dispute was resolved and not ruled in my favor, thus I am liable for the {$1100.00} charge. 

On this same day I have contacted Goldman Sachs to request a copy of the information used in decision making and to understand what options I have left.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TODAYS DATEXXXX XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  Dispute Department XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly, I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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:
To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. 
The accounts in question are below XXXX XXXXPursuant to 15 USC 1666 , late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. 
XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  WOW This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. This is a duplicate account reporting. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. 

THE FOLLOWING HARD INQUIRIES ARE NOT ATTACHED TO AN ANY OPEN ACCOUNTS ON MY PROFILE, NOR HAVE I GIVEN WRITTEN CONSENT FOR THEM TO BE PLACED ONTO MY REPORT. PURSUANT TO 15 USC 1681 XXXX XXXX XXXX XXXX If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit, then it must be removed from ALL reports immediately. 
Upon receipt of this letter/email correspondence you are to CEASE & DESIST ANY communication via phone, text or email, ANY further communications are to be addressed via the US POSTAL MAIL ONLY..

AGAIN, Pease send validation of ALL THE ABOVE alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. 
If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately. 
Again, CEASE & DESIST ALL communication, via email, phone or text, you are ONLY to communicate with me via US POSTAL MAIL ONLY... 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: CA
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 my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. XXXX XXXX XXXX Open Date XXXX XXXX, 2021 Balance : {$250.00} This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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