BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a victim of a scam. I filed a police report and am attempting to help the police catch the people involved. 
I reported the fraudulent charges to Citibank and faxed the report to them as instructed. The bank denied the fraud and said there was nothing I could do about it. This was over the phone and the call was recorded.

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 2023-05-18
Company: Patient Accounting Service Center
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AroundXX/XX/ I received a bill from XXXX. The amount showed {$940.00} was owed to XXXX XXXX XXXX XXXX in XXXX MO. I worked out a settlement with them and paid XXXX on XX/XX/XXXX in the amount of {$750.00}. This was the amount we settled for. Around XXXX XXXX I then received a bill from ARstrat for {$940.00} from XXXX XXXX XXXX XXXX in XXXX MO. I called XXXX to confirm this debt was paid in full and taken care of, which they said it was. I called them at XXXX. I then called ARstrat to tell them they are double billing me and do not appreciate XXXX selling by debt to multiple debt collectors. ARstart told me tot fax them over proof the bill was paid. I wrote them a Letter on XX/XX/XXXX letting ARstrat know this debt was already paid, I attached my receipts, etc. I did this communication through fax at XXXX. Then today XX/XX/XXXX I receive a letter from ARstrat telling me {$180.00} is owed. That would mean my original balance of {$940.00} was NOT actually settled for {$750.00}. It is my knowledge that you can not tell a consumer that they can settle for a less amount and then come back with another collection agency to receive the written off amount. I then contact ARstrat today XX/XX/XXXX through the phone at XXXX. The man told me the notes on my account do say this was settled and he is having his supervisor look over this. I do not believe he will give this to the supervisor nor do I believe the supervisor would take the steps to look into this dispute and correct it. Considering the last person I talked to said all I needed to do was send them proof it was paid. It is impossible to get XXXX to contact ARstart to let them know I paid this for a settled amount and no further debt is owed. Its scary and upsetting to know my medical bills ( not cheap ) are getting sent out to multiple collection agencies. Its nearly impossible for you to get a pay off letter from these companies, and communication is horrible. Im now wondering how many times this has happened to me in the past. If you also look and notice the account number is the same on both collection bills. XXXX is on both XXXX and ARstrat. I have attached all documents in order. I would like to add I have tried contacting XXXX billing department for MONTHS, and have not once been able to get ahold of them since XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Financial Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These charges are a result of fraudulent use of my information. I have filed an FTC report with the federal trade commission. I never received any goods or services from these charges. All is being investigated by the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. section 2 : 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 2023-11-05
Company: Experian Information Solutions Inc.
State: MI
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:
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 instructions ( XXXX XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2022-12-01
Company: Donut, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I need to withdraw my principal funds- and funds are not available to me as promised. The max I can withdraw is XXXX per day and I should be able to withdraw at least that amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Donut, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
First, On XX/XX/2022, Donut app withdrew {$8500.00} of my principal in my account with them. They made multiple promises that the principal was secure. For example, they promised that " XXXX XXXX  is highly collateralized, typically over 125 %. This means your principal is always covered. '' They said, " Donut is a high-yield, fixed income product powered by XXXX XXXX. '' They said, " Lending on Donut is highly collateralized, typically 125 % -200 %, meaning your principal is covered. '' They said in their app that " Your principal is always covered by overcollateralization, typically above 125 % of your principal. '' Donut 's withdrawal of my {$8500.00} violated the promises they made that my " principal is always covered ''. 

Second, they tweeted and notified me though the app on XX/XX/2022 that, " To our users, Donut has zero exposure to XXXX, XXXX or XXXX. Everything at Donut is running smoothly and were baking steady XXXX  as usual. Donut went on to say on the same day, XXXX are one of our approved lenders ( we have others ). Loans with XXXX are overcollateralized ( e.g. 125 % ) If margin calls are not met by borrowers, they seize collateral and/or hedge out collateral risks. They hedged out XXXX risk early this week and have no exposure. 

Based on their statement, I did not withdraw any of my {$5400.00} in funds that were still in Donut. 

These were lies, and on XX/XX/2022, prevented all users from withdrawing any funds, including mine. They still claim to have over 100 % liquidity on their app, which is not true.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: SIMM Associates, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX is harassing me about a bill medical bill for a XXXX XXXX that I no longer use at the time I XXXX XXXX have XXXX which pays for all medical expenses my bill should be XXXX $ now Im getting phone calls daily from simmassociates a debt collector I need this dispute asap please bill is over XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Donut, Inc.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$5500.00} int a high interest savings account with donut.app. Few days later I received an email that said that account was in pause no transfer withdrawals or interest were going to be pay. I searched the internet and I found other that had similar issues month earlier and they still no able to get their money. 
I asked the company to close account and withdraw my deposited money and no one have answered.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: Information belongs to someone else

Complaint:
To whom it may concern, looking at my Experian and XXXX, it shows some derogatory accounts that do not belong to me. 
XXXX XXXX XXXX THE AMOUNT {$970.00} THIS WAS POSTED ON MY ACCOUNT XX/XX/XXXX XXXX XXXX XXXX WITH THE AMOUNT {$2200.00}. THIS WAS POSTED ON MY ACCOUNT AS OF XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Michel Law, LLC d/b/a Level One Law
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
Approximately one month ago I was mailed a pre-approved offer to consolidate my debt for a lower interest rate and pay one monthly fee. After applying for the service over the phone I was informed I did not qualify for the debt consolidation loan but did qualify for a debt settlement service offer through a company called Level One Law. The representative told me they could negotiate with my credit card companies and help settle/pay off all of my debt in a short period of time. I would deposit {$530.00} twice a month into a third-party savings account managed by XXXX Holdings XXXX The money would be safe and accrue and only be used to settle my debt. I was informed money would not be taken from the account without my approval and agreement of each settlement offer. I was told there would be a service fee but would be prorated equally throughout the duration of the program. A total of Three ( 3 ) payments were drafted from my checking account into the dedicated savings account for a balance of {$1600.00}. Shortly after I set up my online account with XXXX XXXX I discovered Level One Law deducted the following upfront fees each time I made a {$530.00} deposit : {$340.00} Service fee + {$49.00} Admin Fee + {$75.00} Retainer fee. The total upfront fees deducted from my account by Level One Law were {$1400.00}. XXXX XXXX, in charge of the independent savings account, charged a {$10.00} month service fee. I was left with {$180.00}. As soon as I discovered what was happening, I called the debt consolidation company to explain what and why they were charging such excess upfront fees. The representative informed me that the process would continue for the next twenty payments while they waited approximately 7-9 months to begin negotiating with my creditors. They instructed me to stop paying my creditors and let my accounts go into default which would help them negotiate a settlement offer. I was never willing to stop paying my creditors and anticipated they would simply help negotiate a settlement offer while I continued to make the minimum payments and add money into my third party savings account. I was told upfront I could cancel without any penalty and did so after one month into the program. However, the representative told me that all service fees are non-refundable and the only money that would be returned to me was my remaining balance of {$180.00}. This is a complete scam, there was no meeting of the minds regarding payment of upfront fees, which is illegal for debt settlement companies to do, and there was no consideration given in exchange for service. Currently, I am waiting for their escalation department to hear my appeal and refund my money but was told there is no guarantee they will release the {$1400.00} they took from me in excess fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Payfare International Inc.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 there were 2 credit transactions that showed posted and were never added to my available balance. I tried contacting the company numerous times and they ignored every call. 
Transaction 1 : {$5.00} in rewards redemption Transaction 2 : {$9.00} in Earnings

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Alorica Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The company has been calling for months even when I have been making payments and when I answer they will call and hang up just to see if the number on file works. I called to schedule a payment the representative took my account information and never put my payment on file i called XX/XX/23 @ XXXX. I called again the next day ( XX/XX/23 ) to cancel the payment because of my check being on hold and the new representative told me it was not a single note or payment arranged.I am in fear of my bank account information being out there. I do recall the call stating that it was being recorded. I told the representative to make sure they stop contacting me because I scheduled a payment. They even sent me another email after I told them to stop contacting me on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$24000.00}

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 non-monetary relief
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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

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 2023-03-10
Company: TRUIST FINANCIAL CORPORATION
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:
I AM NOT AWARE ABOUT THIS COMPANY HOWEVER I AM CHECKING MY CREDIT REPORT AND HOWEVER THIS ACCOUNT HAS PUT A HUGE INDENT IN MY NAME. I AM ASKING THAT IT BE INVESTIGATED AND REMOVE. I HAVE NOT SIGNED UP OR GAVE ANYONE MY SOCIAL TO UTILIZE FOR ANYTHING. 
I HAVE NEVER LIVED AT THE ADDRESS ASSOCIATED TO THIS CREDIT CARD NOR HAVE I OPENED AN ACCOUNT THIS BANK. I AM ASKING FOR HELP FROM BOTH PARTIES.

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 2023-02-13
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
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:
I was taken advantage of by XXXX XXXX XXXX. I file a tax deferral form with XXXX XXXX and I usually file with them for free. Unfortunately, I couldnt find the free option and was heavily marketed to take a paid feature and I feel duped because I never received adequate customer service. In fact, I received better customer service for previous years that I used turbo tax free. I got the extension on XX/XX/XXXX, XXXX and paid XXXX XXXX XXXX {$240.00} for the price of filing and a deluxe package that included court legal dispute representation. The problem happened when I tried to execute my final filing for XXXX in both XXXX and XXXX of XXXX and XXXX XXXX XXXX had lost my filing info when I couldnt access it online or through dialing customer service. The card that I used was a debit card issued by Bethpage Federal Credit Union. I filled a complaint with them in XXXX of XXXX and was provisionally credited and that credit was rescinded after a formal investigation which resulted in a letter stating I asked for the credit over sixty days past my statement for XX/XX/XXXX from Bethpage FCU. My contention is that I didnt realize how unsuccessful this filing was until being denied the ability to complete said filing in both XXXX and XXXX of XXXX. XXXX XXXX was under FCC and FTC XXXX for fraudulent practices regarding pricing schemes and as a consumer I am requesting a total refund of the {$240.00} and I will file with a not for profit tax filing institution instead. I had a rough end of my year with XXXX XXXX so I have been reading my statements and pursuing rectification of any charges in my Bethpage FCU accounts. The charge was made on XX/XX/XXXX using my XXXX XXXX, and I think the card number is XXXX XXXX XXXX XXXX. I can provide proof of my Covid-19 infection from XXXX which left me with some foggy Covid-19 Post XXXX XXXX syndrome. In addition, I would like {$60.00} which represents XXXX transaction processing fees while my account was low on cash in both XXXX and XXXX of XXXX. Due to Covid-19 Foggy Brain syndrome, I mismanaged some of my bills and I think in this horrible pandemic Bethpage Federal Credit Union can assist me better. It is a great banking institution for someone with low income like myself. The debit card used was under my name which is XXXX XXXX XXXX XXXX and my cell phone number is 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 explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

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 2023-12-15
Company: Experian Information Solutions Inc.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
I was searching for cars to trade in my vehicle at the public library. Later I noticed I have unauthorized and unrecognized inquiries on my credit report. I want these inquiries deleted.

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