BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Yes i'm getting a fee on my american express card and i don't know why you guys are denying me since that i'm in the XXXX XXXX XXXX and the reason why i signed up for the american express platium card because my military member who is also working with me told me that i should sign up and that they you guys would waive off the fee. but i'm still am being stuck with the fee what the deal!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a text about authorizing a XXXX transaction and I declined. I called my bank and at the same time the exact number I was calling was incoming so I picked up the incoming call from XXXX ( Ally Bank customer service ) the posed as the bank and said I needed to reverse the charge and gave me a name. I again at this point confirmed the phone number was my bank number and authorized - they had all my credentials to get into my account - a few hours later I called my bank and found out they did not in fact call me and we shut my accounts down and opened an investigation - the following day I received XXXX calls from XXXX I did not answer and called the bank only XXXX of those XXXX calls were truly Ally. I had it change my cell, email, bank accounts and all credit cards. Filed a police report. This took time away from my job and hours of stress throughout the entire investigation which was from XX/XX/XXXX - XX/XX/XXXX. 

Ally bank came to the conclusion that I authorized the transaction and would not honor my dispute and I was out $ XXXX. The letter I received also stated the receiver provided information stating the transaction was authorized. That statement there is concerning so they contacted the criminal?

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion XXXX XXXX XXXX : ( XXXX ) XXXX please remove these accounts it does not belong to me its a fraud account please close and delete Thank You : XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Phone number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( 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 2023-01-30
Company: DISCOVER BANK
State: NJ
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:
A payment of {$2200.00} was made to XXXX 's Discover credit card in error in XX/XX/2022 Called and had customer service correct the error Three months later Discover put same amount of payment on XXXX XXXX  card again as a CHARGE It has been corrected twice since then - XXXX, and XXXX. 
XXXX 's credit card has been paid in full with XXXX balance for 5 months since error was correct ( second time ) - and now the charge has been placed on his card again for XXXX statement ( due XXXX ) Have called numerous times, spoken to different people, executive office, and emailed CEO with no reply. This is an error by Discover. When talking to representatives it sounds like this amount {$2200.00} was transferred somewhere but they can not tell us where and trying to charge our son for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Dear TransUnion, XXXX, & XXXX Im writing this letter in regards to XXXX XXXX XXXX on my credit report, 15 USC 1681i ( 5 ) specifically states ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

The reporting agency has reported inaccurate information on my credit report from XXXX XXXX XXXX which I will state below : - My full name is incorrect - My Date of Birth is incorrect - My current address is incorrect - My previous address is incorrect - My employers are incorrect - My also known as is incorrect - My former is incorrect - Account # is incorrect - Account type is incorrect - Bureau code is incorrect - Account status is incorrect - Monthly payment is incorrect - Date opened is incorrect - Balance is incorrect - No. of month terms is incorrect - High credit is incorrect - Credit limit is incorrect - Past due is incorrect - Last reported date is incorrect - Last payment date is incorrect - Last 2 years of payments are incorrect Sincerely, 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 2022-11-24
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My account was first frozen with no explanation after trying to transfer money to my own bank account. They requested identification i sent it to them. After it was unfrozen and the money was still not sent, i reached back out to find out when the money would be available they deactivated my account and stopped responding to emails. Im yet to receive my money from VENMO, and they refuse to speak to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-23
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:
In accordance with the Fair Credit Reporting Act 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
M & T bank located at XXXX XXXX XXXX, XXXX XXXX sent a letter on XX/XX/XXXX indicating that My checking account will be closed and that I should make all necessary steps to transfer all direct deposits and automatic withdrawals by XX/XX/2022. I reached out to bank and asked for a reason but the Vice President indicated that it was a business decision. The date on letter was marked XX/XX/XXXX but I did not receive letter until XXXX XXXX, 30 day notice marked at bottom of letter was not accommodated so I had 14 days to change all of my auto deposits and withdrawals -Went into bank and the representative indicated that I would have until XX/XX/XXXX extension but would not give me any official letter of proof of extension so I went to different branch after I explained that I was withdrawing all of my funds from ATM -Requested that account be closed but bank reached out to XXXX XXXX XXXX and I was told that there was a restriction put on my account. No additional information was given as to whether or not my Mortgage account would be closed.

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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
During hurricane Sandy XXXX University promised an educational experience at their satellite campus in XXXX XXXX, NJ. The site is was regularly absent of employees. I was displaced due to hurricane Sandy and submitted withdrawals in a timely manner. XXXX owes the repayment of this debt because it doesnt belong to me. The institution did not do their due diligence and XXXX University is defrauding me with their inaccurate claims and its affecting my private life.

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 2023-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX  is unlawfully and without permissible proposes reporting inaccurate and unlawful information to my credit report. Company responded that theyre allowed to report such activity which in their terms they state credit bureaus and others. The only bureau is the CFPB as proof is included in attachment. Others is misleading information to consumers and not specific as to who others are. Company is violating my privacy rights by furnishing such information. I have a right to privacy by law. Information is incomplete and not accurate which is a violation of usc 1681 b and inaccurate information can not be furnished on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I made a purchase at Macy 's in XXXX, ID for {$230.00} in XX/XX/2021. I paid with my Macy 's card and immediately paid the balance on the card with my debit card. I returned the items a short time later on and the cashier credited my Macy'a account. I don't use my Ma Macy 's card very often, so I asked the cashier how I could receive my money back. The cashier told me that I would receive a check in the mail in a few months from Macy 's for the amount of the credit if I had not used it. I waited several months and never received a check. I called Macy 's in XXXX of XXXX  to ask about the refund check. The woman on the phone looked at the account and said she saw the error and and offered to file a dispute. About 6 weeks later I received a check in the mail and assumed it was resolved. A couple of months later, I received a bill from Macy 's that showed me owing the amount of the refund check they issued. I was confused to say the least. I called Macy 's and the woman on the phone said she would file a dispute and that i should disregard the bill. The next month, I received another bill and disregarded it because that is what the woman said. The next month, I got another bill. I called again and i was told that Macy 's had credited my account even before they sent me the check. At this point, I told them I did not see that credit. They told me what days to look for the credit and I did, and did see the credit. At this point, I moved and did not receive mail for a few months. The next time I got a bill from Macy 's. it was for the initial amount PLUS fees and interest. That seemed ridiculous since this all started with THEIR mistake of issuing two refunds and then telling me to disregard bills and then trying to charge me for the time lapsed while they tried to figure it out. I have been trying to get this resolved ever since and e very month the bills just add more interest and fees. Macy 's makes the dispute process incredibly difficult on purpose and I have spent HOURS trying to negotiate with zero success. The debt has now been sent to a collections agency who says that I would need to fax them a dispute. I do not own a fax machine. I work full time PLS manage a XXXX acre farm alone.. I've wasted multiple lunch hours on this. I took today off of work to resolve this and feel incredibly frustrated. Every time i'm off work and try to call, they are closed. Whenever I call, I am speaking to an XXXX person who I have a very hard time understanding. Please help.

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 2022-06-21
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Someone hacked my account using a different Device I Submitted All Evidence that the phone used to make the transfer was not mines nor did I have access to the device in question they denied my dispute as no error found I also tried to have it reopened Submitting proof that my password to my account was saved to my XXXX passwords

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I am being charged by Best Buy for a service that I did not request or approved. I made a purchase a service was provided for three months for free and then I had to cancel if I did not want to continue the service. I should not be charged for a service that I did not approve. I should not have to call to cancel a free service that was provided. The company is stealing money from me. This service should not be tied to a product unless authorized by the party who will have to make payments. These charges happened on XX/XX/2022, {$10.00}, XX/XX/2022, {$10.00}, XX/XX/2022, {$10.00}, XX/XX/2022, {$10.00}. This is not the first time that they have did this and refuse to refund the dollar amounts. They should not be adding a service to products otherwise people can go to other places to make the same purchase.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had a mortgage since XX/XX/XXXX initially with XXXX  XXXX XXXX who acquired the loan from a predatory lender. I was with XXXX  XXXX XXXX from XXXX until XXXX at that time XXXX sold the loan to XXXX XXXX ( XXXX ) ; my credit report has been absent of any payments made on this account since it was transferred to XXXX XXXX XXXX. Therefore, if I try to obtain any mortgage refinance or looking to obtain credit for paying my mortgage on-time, this information is not noted.

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 2023-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I accidentally overpaid our Bank of America credit card on XX/XX/23. We owed {$3500.00} on the credit card and I accidentally paid {$38000.00}. We opened a ticket with Bank of America on XX/XX/23 to have the overpayment of {$35000.00} returned to the same account it was sent from. We have called them multiple times requesting the refund, and each time we are told a different date the money will be returned by. The most recent date we were told this would be resolved was XX/XX/23, but it is now XX/XX/23 and there is no sign of the money being returned. We have requested the provide us with a statement in writing of when we can expect the money back and the exact amount they will be refunding us, but the have refused. We are in the process of buying a home and that is money we were saving for the down payment. We just want our money back.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX cancel debt and account must be remove from credit reports there no more debt owed so there is no account to be reported

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 2023-01-30
Company: Phoenix Financial Services LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I was had a XXXX minutes ride from my house to the hospital. I negotiated with the ambulance company back then on the price, and we agreed to pay one time the full amount after they gave me a discount. I paid and it was closed as account. 6 years later this phoenix finacial service send e this letter telling me that my account was bought by XXXX XXXX XXXX XXXX who never contacted me for anything, and precisely this company has placed the account under collection with phoenix financialservices. 

This is a debt he says, she says. Where were these people 6 years ago? Why I was never contacted by the new company who bought the previous services? 
Please, I need help to stop these greedy thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. This account and transactions I am disputing was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
-- XXXX XXXX XXXX  OPEN DATE XX/XX/2019 ( {$470.00} )

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