BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: U.S. BANCORP
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
( DO NOT CLOSE THIS ONE OR LISTEN TO US BANK!!!!! THIS ISNT A DUPLICATE!!! I am GOING TO POST A COPY OF MY BANK STATEMENT WITH THEM TO PROVE THIS DOES IN FACT BELONG TO THEM AND THAT THEY ARE RESPONSIBLE! ) So I contacted US Bank, more specifically their Dispute Center, to report the following transactions as fraud : XX/XX/XXXX - XXXX XXXX : {$280.00} XX/XX/XXXX - Transfer to XXXX XXXX  : {$320.00} XX/XX/XXXX - XXXXXXXX XXXX  XXXX {$350.00} XX/XX/XXXX - Transfer to XXXX XXXX : {$350.00} XX/XX/XXXX - Transfer to XXXXXXXX XXXX XXXX  {$350.00} XX/XX/XXXX - XXXX : {$260.00} XX/XX/XXXXXXXX XXXX XXXX : {$100.00} With those disputes they approved the transaction from XX/XX/XXXX from Transfer to XXXX XXXX  because I provided a detailed description of the fraudulent activities with said XXXX XXXX  account, to where any time Id get money on my US Bank account, they would do an Automatic Withdrawal, which I had no idea even existed, until I saw these transactions on my account. But because that one was approved in my favor, I figured the others would too, but they denied EVERY LAST ONE OF MY OTHER DISPUTES WHICH IS RIDICULOUS BECAUSE HOW CAN I PROVE THAT IT WAS FRAUDULENT BUT THE SAME THING KEPT HAPPENING AND YOU DONT APPROVE THE OTHER TRANSACTIONS THAT ARE JUST LIKE IT??? Even though I provided more proof than before???? Not only that but for the points purchases I literally sent in screenshots showing that these companies not only didnt provide me with what was purchased but ALSO deducted ALL MY EARNED POINTS OUT OF MY ACCOUNT FOR UNKNOWN REASONS. US Bank STILL gave the case in their favor I faxed all the necessary documentation, and they STILL denied my claims and made my account go in the negative I had my card used fraudulently. PROVE TO THEM IT WAS USED FRAUDULENTLY, and they STILL put me in the negative over {$1400.00}. GIVE ME MY MONEY BACK FOR THESE FRAUDULENT TRANSACTIONS This is a formal warning on a government regulated forum that allows public notation of my complaint, as Ive been advised by my attorney to give you all this last opportunity to rectify this situation or you all will be sued in a class action suit headed by others who have already gone through this, along with my own personal claim against you all.

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 2023-03-13
Company: AVANTE
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 belongs to someone else

Complaint:
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Information is missing that should be on the report

Complaint:
I am a authorized user on my cousins XXXX account for some reason it never updated me on XXXX and experian. It only shows 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 2023-03-13
Company: Nair & Levin, P.C.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt is from a procedure which I received at XXXX XXXX XXXX for a hernia operation. My insurance paid XXXX plus for the procedure there was a balance remaining from the procedure which was {$3400.00}. I was notified of the outstanding balance and I requested financial assistance with the remaining balance due to subsequently being laid off from work and did not receive an application. 

The agency assigned for the collection of the {$3400.00} debt was XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX, PA XXXX telephone # XXXX. I entered into an agreement to pay XXXX {$150.00} every 2 weeks which brought my balance down to {$2300.00} when it was assigned to the legal office of Nair & Levin address XXXX XXXX XXXX, XXXX, CT XXXX requesting the aforementioned balance. 

XXXX XXXX XXXX correspondence should be directed as follows XXXX XXXX XXXX Financial Counselors Main Admitting Department XXXX XXXX XXXX XXXX, CT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I requested a review of my account after receiving Public Service Loan Forgivness in 2021. I have all of my documentation ready to send in and they will not respond to my email about where to send it. They have an email address to respond to in their base email about my request, but I have sent 3 emails and also spent almost 2 hours on the phone on a wild goose chase trying to call all the lenders for a contact person to send this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They saying that the have turned me in to collections but collections has not sent me anything ant the company failed and refused to sent me bills and envelope to make my payment I have already told them I don't pay on line and the keep reporting to credit bureau that I'm not making payments I'm done with this games

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023, I opened both Checking and Savings accounts with Citizens Bank, at their XXXX, NY branch. 

I used a promotional offer code ( XXXX ), sent to my address at that time. 
The offer said I would get {$600.00} if I open accounts- {$300.00} for opening a checking account and receive monthly deposits for 3 months. 
- {$300.00} for opening a savings account and kept a {$15000.00} over 3 months. 
- Bonus would be paid on XX/XX/XXXX. 2023 When reaching out in XXXX to complain, they : - Did not have track of the promotion - After I provided the bank with the code I used again, they told me that they found it and ( accurately ) described what the voucher said, that by XX/XX/XXXX I would see the deposit. 

On XX/XX/XXXX, a XXXX after I should have received the bonus, I asked again : - They lost track of the promotion ( again ). 
- After I provided the bank with the code, now there's a " case '' ( XXXX ). 
- A customer representative told me that probably I will see the deposit by XX/XX/XXXX. 

Today is XX/XX/XXXX It's been almost 7 months since I open the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Statute of Limitation on credit card debt and most other debt in New jersey is six ( 6 ) years ( It is four years for auto loans ) I have made a settlement payment to XXXXXXXX XXXX in order to deelete the account but it s still there years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX 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, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information 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 2021-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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: Account status incorrect

Complaint:
I have accounts that show wrong balances and show wrong Amounts Payment statuses are wrong and need to be updated.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: AL
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:
Experian and XXXX violated U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Ive sent numerous certified letters over the last 18 months! Nothing has been done!

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 2023-03-13
Company: GOLDMAN SACHS BANK USA
State: PA
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:
The tickets XXXX sold me did not work at XXXX XXXX. XXXX XXXX tried scanning them and they showed refunded prior to the day I purchased/tried to use them. I had XXXX XXXX management check to make sure this was correct and they researched the tickets thru their system and it indeed showed they were refunded prior. Meaning XXXX sold me tickets that were invalid the day they were bought. I had to rebuy tickets thru XXXX XXXX directly and suffered wasted time of over 1 hour plus extra costs incurred by their higher pricing compared to XXXX  prices. The XXXX XXXX XXXX told me they may have been refunded prior as they were over a year and a half old as XXXX company purchased them on XX/XX/2021. He said after a year tickets can become inactive. 

I contact XXXX multiple times to resolve the issue and even sent XXXX ( XXXX from XXXX ) an email detailing the events with photos of the managers screen from XXXX XXXX showing the tickets as inactive ( not working ). I called numerous times and each time the manager does not return my calls. I filed a chargeback thru Goldman Sachs ( Apple Card ) but it was awarded in XXXX favor. I have proof of tickets being inactive and proof of my repurchase of tickets direct from sea world the same day for my family to actually be able to enter the park. 

I haves filed another chargeback thru Goldman Sachs and have again tried to contact XXXX but they do not answer. I have been duped out of {$310.00} by this XXXX company selling fraudulent tickets. Attached is the photo of the managers screen showing tickets inactive and also attached are my 4 tickets bought directly from XXXX right after the manager told me my tickets from XXXX were worthless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-13
Company: Atlanticus Services Corporation
State: AL
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:
Reported without my consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023 I received an email from XXXX asking me to confirm my email address. I have no accounts with BofA nor interest in doing business with them so I was skeptic. The email contained a note that read : If you dont recognize this activity, call us at XXXX. I did a quick XXXX of the number to ensure it was indeed Bank of America and called them. The gentleman who answered the call confirmed that someone was indeed trying to open a XXXX XXXX XXXX XXXX XXXX XXXX. However despite me calling the number in the email he could not help me. He transferred me. I had to start over with the second rep, he also could not help me and transferred me. The third rep did not seem well trained, she was not confident and had a poor attitude. She was unable to find any application unlike the first gentleman I spoke to. The train I was on entered a tunnel and the call dropped. Frustrated that it was so difficult to report a fraud attempt I gave up. I spent 15 minutes with BofA talking to three different people while on an international roaming call with no resolution. I forwarded the email verification request to XXXX and never heard back. 

On XX/XX/XXXX I received an email with subject : Action needed please unfreeze your credit report and call us. The email came from XXXX. It referenced the XXXX XXXX XXXX XXXX XXXX Card application that the first BofA agent found. 

Because I have zero faith in the XXXX XXXX XXXX I have all three of my credit profiles frozen. I am pleased I had this foresight because it appears BofA does not have correct safeguards in place to handle fraud reports. We are multiple days into this experience with no resolution.

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 2023-03-15
Company: Convergent Resources, 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:
I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by Convergent Outsourcing, ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. The account convergent outsourcing account number XXXX needs to be removed immediately I did not give consent or permission to furnish this alleged debt on my consumer report! I have attachment a cease and desists letter made out to the parties involved and everything in that letter should be followed pursuant to federal laws and regulations.

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 2023-03-13
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems , Inc has misrepresented XXXX and sent a debt collection letter to my place of abode on XX/XX/2023 requesting that I respond to their debt collection letter by XX/XX/2023. I sent a cease and desist letter with other documents that showed I paid the full balance. On XX/XX/2023 I attended a USPS location and sent them this information through certificate mail. It is currently now XX/XX/2023. XXXX XXXX signed United States Postal Service certified mail green domestic card and returned it back to my place abode XX/XX/2023. Under U.S.C. 1692 G and other debt collection practices Act rules. I requested Transworld Systems, Inc to send me original records of me and them doing business in Washington XXXX DC. They failed to comply with my demands and it is an violation. I'm submitting evidence that I replied to their debt collection practice and they didn't send me anything to my place of adobe. This corporation was not suppose to contact me because I paid the bill. Look at all 6 supporting documents it will show Transworld Systems , Inc and XXXX were both wrong for trying to scam me for additional money after I paid the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Extremely impossible to get Experian agent on phone to speak about how I lost XXXX points overnight on my credit report XXXX. 
I was a strong XXXX for a whole month and then it went up to XXXX and then today you brought me back down to XXXX what am I doing so different? 

I wouldn't have to go these means to get in contact with you if you would just answer your phone correctly and allow me to get an agent on the phone it's pretty frustrating that I have to do this just to get an answer from you all now I have to wait 30 days ...

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 2023-03-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize, please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Block, Inc.
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Despite showing a receipt from the hotel, Cash App is refusing to release a hold for incidentals. The hotel has said they released the funds upon checkout nearly two weeks ago. Still, cash app holds the funds. Moreover, they are refusing to take a receipt from the hotel showing the release. Also, they are refusing to contact the hotel to confirm the hold was released. At this point, cash app has stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act 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.

Company response to consumer: Closed with explanation