BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I was charged {$100.00} from XXXX XXXX in XXXX, FL. I called XXXX and left messages three times - and to this day have not received any response. After waiting a week for a response, disputed the charge with Elan Financial Services. While I had eaten in the restaurants during my stay, I did not make this charge ( referenced at Eating Places, Restaurants on my billing statement ). Elan Financial Services investigated the claim and told me the chip was used and therefore closed my claim. I have all my receipts and each charge is accounted for therefore I requested a copy of the receipt or other proof in XXXX after being informed that the claim was closed. I decided to reopen the claim in XXXX and reminded the claim representative on XX/XX/22 that I am still waiting on this proof and to see the credit applied to my account. Elan is not being helpful or responsive.

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 2022-11-30
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX  XXXX bank card wont work and was flagged for fraud but all the transactions were legit. I spend 3 hours calling the bank and no one seems to know how XXXX  XXXX to get the card unflagged. I need the card to work if it is supposed to not keep wasting time calling XXXX XXXX XXXX after another.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX my XXXX XXXX XXXX daughter discovered unauthorized use of her bank card. She called and reported these as fraudulent as well as requested her account be frozen and a new card issued. For four days after new charges kept popping up. This time I called with her and the account was in fact frozen finally. On XX/XX/XXXX I discovered Truist bank froze my son and I 's checking accounts. They claim our accounts were frozen because my daughters account is still linked to mine. They have refused to unfreeze the account leaving me with no way to provide food in my house, go to doctors appointments, or refill medications. This is my only account and I do not own a credit card, or have access to cash. The total charges in question are {$3200.00} and I was told by Truist the only way to regain control of our accounts was to come in with cash to satisfy this debt. My daughter denies having any knowledge of these charges and still has her debit card so this did not occur because of a lost or stolen 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 explanation
Consumer complaint received 2023-04-04
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX  I set up a " XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00} direct deposit to XXXX XXXX. Fund was withdrawn from my business checking account on XX/XX/ " Square Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/ I received an email saying my account has been " deactivated ''. 

As of XXXX I still have not received a refund nor was the {$100.00} direct deposit processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: MI
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:
I told the credit bureaus to investigate every piece of information on the accounts I have listed on the complaint. According to the FRCA the term " investigate consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # 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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 a consumer reporting agency can not furnish a account without my written consent.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-01-17
Company: ARS National Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS National Services is attempting to collect a debt that I do not owe. I never authorized an account with XXXX XXXX XXXX. Therefore ARS has no legal right to attempt to collect any money from me. ARS has not validated this debt nor sent me an initial notice of collection. ARS is calling and requesting a settlement payment for an alleged debt that I do not owe. ARS is acting in a misleading manner and is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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.

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 2022-06-28
Company: Experian Information Solutions 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: 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 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.

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 2022-09-21
Company: Continental Services Group, Inc. d/b/a ConServe
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Conserve has inaccurately reported to the credit bureaus a debt by XXXX that was due to fraud and identity theft. XXXX has active and valid police reports and FTC ID theft reports as recommended by the police department which they have failed to honor by law. Conserve is violating my rights under FCRA section 605 ( A ) and ( B ) prevention of identity theft and fraud to be blocked from reporting on a consumer credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Ok Finance Group INC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hey im XXXX XXXX, I purchased a car for XXXX down. had the car for just over XXXX months. I then painted my vechile and with out noticed the carlot came to pick it up. at first they said I was behind and needed to pay XXXX to have the car return to me and my bill is only XXXX a month. I was willing to pay that but then we started the process and then they said I needed to pay the car in full ( XXXX ) before they can return the car. the car was not emission tested and wrecked and I had no knowledge of this. if you are not busy you can email me or call me at XXXX for more information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have multiple credit cards with comenity bank and they have been " updating their system '' for over a week now. I am unable to do anything on my account including making any payments. I can't even log into my account without receiving an error message. My payments are coming due and I do not have a way to make them. The phone systems for comenity bank are not working and I do not have a way to mail in payments as I have e-statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-06-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account : XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Every time I placed a rental application, my credit information was incorrect in trans union and I was denied housing. This has happened throughout the years and I have almost ended up homeless from the issue. I tried to correct it but was never shown my credit report that was sent to the leasor/owner of the properties but when Id look my credit score it was enough to qualify for housing. This has caused many hardships and rejections unnecessarily. 
Some of these companies were : XXXX XXXX XXXX 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 2023-09-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In early XX/XX/2023, I made a purchase on the XXXX website. While completing this purchase I signed up for the NFL Extra Points Visa card which is issued by Comenity Capital Bank. I was particularly persuaded by an offer of a {$100.00} statement credit after spending {$500.00} outside of the XXXX. I received the card within XXXX days and immediately began using it. I met the {$500.00} spending requirement on or about XX/XX/2023. 

Since that time, I have made countless calls to Comenity Bank 's customer service department and they have failed on multiple occasions to resolve this issue. Initially, I was told during a call in XX/XX/2023 that I had to wait 90 days after opening the account to receive the {$100.00} statement credit. I waited 90 days and called Comenity Bank customer service again in XX/XX/2023 to inquire about the {$100.00} statement credit. I was told at that time that I couldn't receive the statement credit because I had a {$0.00} balance. I was told to spend at least {$100.00} on the card and that I would immediately receive the credit. I followed through on this advice and spent over {$100.00}. 

After not seeing an immediate credit, I called Comenity Bank yet again on XX/XX/2023 and spoke to an representative named XXXX. XXXX informed me that the information provided by the prior representatives was totally incorrect and she opened an investigation into the matter. XXXX confirmed I met the promotional requirements and assured me the issue would be resolved within XXXX XXXX 

Today is the XXXX day so I called about XXXX minutes ago to get the status of XXXX 's investigation. I was told by a phone representative that they had a " system issue '' that affected a large number of customers and that there is " no timeframe '' for when it will be resolved. After escalating my complaint to a supervisor named " XXXX XXXX '', I was told that I " should '' see the {$100.00} statement credit on my next billing statement. My experience with this bank has made me very skeptical that I will receive anything. 

Every representative I have spoken to has confirmed that I met the criteria for the promotional offer back on XX/XX/2023. It's been over 6 months and I have not received the {$100.00} statement credit. XXXX Bank continues to advertise the {$100.00} statement credit promotion via XXXX games and the XXXX XXXX website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: CITIBANK, N.A.
State: FL
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/21, I opened a CitiBusiness Streamlined Checking account with the friendly assistance of XXXX XXXX  XXXX at the branch location specified below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX provided me with a brochure/ flyer ( please see attached ) specifying the terms of the Tiered bonus promotion. I opted to become eligible for the {$1000.00} bonus promotion by depositing a minimum deposit level of {$50000.00} and maintaining this level for 60 consecutive days. I deposited {$50000.00} and it posted onto my account on XX/XX/21 and I maintained this amount until XX/XX/21. 

The terms of the promotion state : " The Cash bonus for which you qualify will be credited to your Citibank business checking account within 90 days from the end of the month in which you complete all Offer requirements. '' According to the terms, I should have received my bonus promotion of {$1000.00} on XX/XX/21.

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 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a complaint about XXXX XXXX sending me an email saying im pre-approved for a XXXX XXXX XXXX make cluck here. 
This wont effect your credit score. 
I did because i buy all my gas there and the credit card gave a XXXX cent a gallon savings. 
I filled out all information and submitted it I was denied the card and then i received a notification from my credit monitoring companies that a Hard Inquiry was made. 
I never authorized a hard inquiry ive dropped iver XXXX points just from new credit cards and make over the min payments and early on every account. 
Equifax take XXXX points for hard inquiries and XXXX yo XXXX points for " over usage ''. 
These credit cards pay cash back so i use them in place of debit cards. 
I get no points back for ontime or early payments only points laken away Now i got an email notice this case is closed and i can not get the results when i logged into Equifax website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: PA
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:
Back in  XXXX  of this year I informe d the credit bureaus that I received a number of Inquiries over 1 week period that I did not submit. I was told that I must get a letter from each inquirer in order for it to be removed. Well I have in the past week gathered all the letters representing all the inquires and have scanned them in and uploaded them in order to get the Credit reporting agencies to remove the inquiries. I was told by many of them it will take up to 30 days BUT I CAN NOT WAIT. I hope with these letters they can expedite in my behalf and just remove them manually.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX Account # XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-06-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
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:
Both Citizens XXXX and XXXX XXXX XXXX opened fraudulent accounts under my previous married name. Both cards were opened with high credit limits of {$10000.00} and {$23000.00} respectively. I wasn't aware that one card XXXX XXXX had been opened until I received a statement from the company and then the other card I realized had been opened when I checked my credit report and the locked my credit report. 

Since that time I received letters from the two credit card companies reflecting what I need to do the aid in the addressing my situation and I am preparing all that information which included a police report, reports filed with both the FTC and CFPB and the XXXX County Sheriffs Office XXXX Texas. I also have to provide my state issued drivers license and a proof of residence. I wrote letters to accompany all this information. 

Neither company has made a statement that they will dismiss the charges in writing and have indicated that I may owe the money at the end of their fraud investigation.

Company response to consumer: Closed with explanation