BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-17
Company: Synovus Bank
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: GOLDMAN SACHS BANK USA
State: IL
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 received a large refund to my Apple Card ( issued by Goldman Sachs ). I requested a refund of this money on XX/XX/XXXX, but was told to wait till the end of the month ( greater than the 7 days allowed for a credit balance ). I reached out on XX/XX/XXXX as this did not occur. I understand however that this is due me having a parallel balance ( an installment balance that is applied on a monthly basis on my account, but Goldman reflects the total installment balance as what is owed to XXXX to the credit agencies, and my available credit is reduced by this amount ). Apple/Goldman offer no way to apply my credit balance towards this installment balance and offered to keep the credit balance on my card for as many months as it takes to pay down my installment balance. I requested a refund to do so myself given this inability and was told this was not possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : MERCHANTS CREDIT GUIDE Account Number :

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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: Personal information incorrect

Complaint:
Ive tried to get this company to correct these issues back in XXXX of XXXX  Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called Equifax on Friday XX/XX/XXXX as I was locked out of my Equifax account and needed access to be able to dispute inaccurate information. The gentlemen I spoke with told me he unlocked my account and I would receive an email. I disputed several address on my credit file that did not belong to me and was given a confirmation number of XXXX. I tried to log onto my Equifax again over the weekend and found out I was still locked out. I then called Equifax again on Tuesday XX/XX/23 and the Equifax phone system would not allow me to speak with anyone to check the dispute status nor inform Equifax that I was still locked out of my account. Equifax system is broken and will not let me view my Equifax credit report online nor let me speak with anyone to correct the errors so that I can have access to my personal credit information. I have attached a copy of my drivers license for proof of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: CREDICO. INC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was served papers to appear in court on XX/XX/XXXX regarding a request from a company called credico inc to revive a judgement from XX/XX/XXXX, 14 years ago. I have never at any time been contacted by this company or any other company regard this amount they say is owed. I have received no phone calls, no mail, no other attempt to contact me at all. I tried to contact the company but found little to no information about the company online. I attempted to contact the lawyer from the served papers and left a message but ncall back. In the past 14 year and before that I have heard nothing about this dept or from this company. I could not dispute the debt prior to what they say was a judgement in XXXX because I never was contacted or given any information. I have no idea what this debt is for. I have spent the last 12 years working extremely hard to pay off credit card and medical debt so I check my credit report and credit score weekly on 3 different sites, I open and read every peice of mail, and answer phone calls so I am not only aware of what I owe and to whom but also make arrangements with them to pay the debt in full. Had I gotten information from this company or about this debt I would have requested information to very the debt and made arrangements for payment if the debt was proven to be mine. I never got that chance or opportunity over the last 14 years to do any of the things that are my right under the fair debt collections act to do. My information including my phone number and address and employor were never hard to find with a simple search online or my credit report. Every other debt collector I had debts with had no problems contacting me, which made it easy to verify the debt and make arrangements for repayment. I do have debt I am paying off and had paid off debt because unfortunately I am a type XXXX XXXX  and medication and medical help is expensive so I have had debt in the mast but I have made a good faith and legal effort to repay every debt that I owed. Please investigate this matter immediately. I have not been contacted by this company or about this debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been disputing accounts with the bureaus for some time and have received no letters or anything. Its been 7 months, I expected to have seen some updates or letters and have seen nothing. I will attach the last letters I sent but there have been several others.

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 2020-10-05
Company: Experian Information Solutions Inc.
State: TX
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:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A subsection 2 further states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states that 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 the records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 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: Experian Information Solutions 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 XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the fight 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2021-03-23
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:
On XX/XX/2019, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: CONGRESS COLLECTION CORP
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Congress Collection ( XXXX XXXX  XXXX  walk in Balance : {$500.00} ( alleged past due amount that I never been aware of and I never been to this company ) Date open XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: SANTANDER HOLDINGS USA, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I unfortunately was the victim of an IRS scam. I received this letter in my mail in XXXX stating I owed the government {$240.00}. Knowing I actually do owe the IRS money, I signed a physical check and sent it in the mail. The next month ( XXXX ) I received another letter stating that I owed {$380.00}. Subsequently realized I needed to check my IRS account and put it together that I was scammed. I contacted my bank Santander and told the representative what had happened. I found out that the scammers had cashed the physical check I sent them as an electronic check which apparently threw up red flags from my bank. I was awarded a provisional credit and was told to keep that bank account open so the money could be deposited back into my possession. There was supposed to be a block put on the account that only allowed deposits into the account and no withdrawals. By the time that investigation was over ( XXXX business days ), the moment my money hit the account again, somehow the scammers were able to forgo the withdrawal block on my account and take the freshly deposited provisional credit out of my account. Speaking to Santander representatives again, I was told the only way that this couldve happened was if I verbally told an employee to force withdraw this money. Which I did not. So another investigation was opened by my bank. It was determined by the bank that the second investigation/instance of my money being stolen that nothing was going to be done. Their reasoning was that I had signed the physical check and by that instance I was at fault. However, this was already discussed during the first round of investigation into this matter when the provisional credit was approved to my account. The only reason that the scammers were able to take the provisional credit is due to a faulty security block that the bank assured me would protect me from this happening again. I have record of the second letter and that second letter was submitted by my local bank as evidence into the investigation. Despite Santander stating that there was no documents submitted. My liability for this matter ended as soon as the bank approved me for a provisional credit and the banks liability in this matter began when they gave me a faulty security block on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: URS Holding, LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/XXXX was my settlement date for {$2800.00}. Between XX/XX/2022 and XX/XX/XXXX I spoke with a representative of XXXX XXXX about extending the timeframe of my settlement date because I had not recieved my taxes. The representative stated that since there had been a lot of tax issues this year that it would be okay as long as I continued to make my monthly payments. I stated to the representative that I would up my monthly payments to {$200.00} a month instead of {$100.00}. The representative AGREED and stated that when my taxes deposit to give a call back ( these calls are recorded and I would like them listened to ). As you can see here in these documents I continued making my monthly payments until the month of XXXX. XX/XX/2022 I called to make my usual monthly payment and was told I my account was locked due to a new law that was put in placed. I was advised to call the week after to resume payment. I called multiple times until I got a XXXX XXXX who explained to me that XXXX XXXX had placed a hold on my payments because they were not satisfied with the settlement amount. She stated that none of this was my fault and that I would gain no extra interest charges and would still be able to continue the same monthly payments. She stated that she would contact me with further assistance once they had everything taken care of and that my balance was down to XXXX dollars. In XXXX, XXXX  I recieved a call from XXXX XXXX XXXX, saying that I was deliquent on my payment since XX/XX/2022 and that I owed XXXX dollars. I stopped them and explained to them what had happened and told them that I have a settlement contract and they said thats something they cant uphold. I contacted XXXX XXXX and they stated how they took my debt and gave it to another creditor because they didnt like the settlement amount. When I asked to speak with a manager and be mailed the breakdown of what my car was sold for I was constantly transferred and hung up on. XXXX also stated that I did not comply with the terms of the settlement. When infact I was given the okay by XXXX for a date extension. ( Which is stated in a recorded phone call ).

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 2022-09-29
Company: Mr. Cooper Group Inc.
State: NJ
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:
Mr. Cooper pulled my credit on the XXXX and XXXX of XXXX and did not remove one of the improper credit pulls. I suspect it was to charge me a higher interest rate when we were contemplating refinancing the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/2022 : I go to use my account on Netspend Skylight ( prepaid card provided by previous employer ) only to realize my account is locked. 
I call customer service and am told the account is frozen due to a refund that was applied that didn't have proof of purchase on the account itself. 
I submit my proof of purchase on the XXXX and an Employee of Netspend Skylight then promptly lifts the lock on my account. Issue solved right? Wrong. 
Upon going to use my Debit card attached to said account, the card is denied, and the account is then relocked, even though I had just provided all necessary information in order to have it unlocked. But now it's XXXX minutes pass their closing time for their call center, guess I have to wait till tomorrow. 
XX/XX/2022 : I call Customer Service and am told I need to resubmit my Proof of Purchase documents for said refund in question so that the XXXX Department can lift the restriction on my account. I promptly submit the documents and I am told to wait up to XXXX business hours in order to process said documents. XXXX hours later, I call for an update and am told the documents were never received. Even the documents from yesterday too apparently. Even though I have proof that every single XXXX of these emails containing the necessary information was provided as said previously. I am once again told that I need to resubmit the same exact documents, except this time I need to put a reference # in the subject of the email itself. Okay, fine, why not. I do so, wait another XXXX hours, only to be told by the supposed supervisor of the XXXX Department of Netspend Skylight that they can't lift the lock on my account anymore and must now forward my issue to the Headquarters of Netspend Skylight in XXXX, TX so that they can solve the issue. I am told that I should expect a call tomorrow from them. 
XX/XX/2022 : The Headquarters for Netspend Skylight isn't even open on Saturday. I've received no such call. The supervisor of the XXXX Department flat out lied to me just to get me off of the phone. As far as I know my money is stolen since I am completely unable to use any of it even though it was just unlocked XXXX days prior ( but then promptly relocked once I tried to use said funds for a type of purchase I have made numerous times using said account~food ). After realizing the HQ of Netspend is closed on the very day the supervisor said I would be called by them, I call their help-line back for an update on my situation. And am promptly told the same exact thing, that they are " sorry for the inconvenience! '' I have not been able to buy food or gas for the past XXXX  days now. Enough is enough.

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 2022-10-22
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 @ XXXX I went to US Bank Branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX to deposit {$300.00} cash and get quarters. At the time it happened to be quite a line so I decided to use XXXX of the ATM that are inside the Branch that are located along the wall to deposit my cash and then I would just need to go to the teller for quarters. I successfully deposited the cash in the ATM ID : XXXX. I received a confirmation email receipt. As I approached the teller I realized that my cash deposit had not been credited to my account yet so I asked him to check into it because he had just watched me deposit the cash. He was puzzled as to what happened but then I received another email saying the transaction had been reversed as if I did not deposit the cash. The teller tells me I have to call the main US bank line. I called them and the system continues to hang up when I call from my phone number. I called from another number and finally got an agent who says I have to wait until the transaction is no longer pending and file a dispute. I advised that this was a CASH transaction so it should be no PENDING to it!! I spoke to a supervisor who said the only other way is if the brand manager is able to fix it. I have {$300.00} cash now gone and no one has answers.

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