BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My son has been using this card for years with no problems until now. I had used the card XX/XX/2020 and no problems. Went to use it XX/XX/2020 and it didn't work, tried withdrawing funds from it on Wednesday XX/XX/XXXX ATM said they could process the transaction and to contact the financial institution. I have been trying to call for two days and there is no option to check balance or anything you just sit on hold for hours with no answer. Tried logging on to check his account online and it thanks me for requesting a new password and says it sent a link to my email, never received a link to reset the password. Went to Social Security they said there was nothing they could do but are sure Comerica will correct it. Tried calling a different number social security gave me and was told by a customer service supervisor they don't service the cards that start with my number and can not access my account and they are not the same company even though the original representative tried transferring me to the department that did service my card. Im pretty sure the supervisor was lying. My son needs his money. If they locked him out of his account with no access to his money what resolution does he have to get his money back? My son is XXXX years old, I am his payee representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Experian Information Solutions Inc.
State: OH
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:
There is a fraudulent name on my credit file : XXXX XXXX XXXX. There is also a fraudulent address : XXXX XXXX XXXX XXXX ny XXXX. My name is XXXX XXXX XXXX and my current physical address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX ohio 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 2021-11-26
Company: EQUIFAX, 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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of XXXX XXXX. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I bank with Citibank. 
On XXXX/XXXX/15 my balance was {$8.00}. 
On XXXX/XXXX/15 Citibank charged a monthly banking service fee of {$12.00}, which made my account overdrawn. 
On XXXX/XXXX/15 Citibank charged me a {$34.00} overdraft fee, because of the Citibank service fee charged to my account overdrawing the account. 

Is this legal? 

Below is the end of my live chat conversation with Citibank? 
Is what they are saying true? 


XXXX : at XXXX, please repeat the stance of Citibank when it comes to Citibank service fees overdrawing an accountNoble : at XXXXXXXXWhenever an account is overdrawn, account will be charged with the Overdraft fee of {$34.00} on the next business day. You can avoid the overdraft fee of {$34.00} by enrolling into our Overdraft protection. 
XXXX : at XXXXXXXXAnd that will also occur when a customer has a positive checking account balance, and then a Citibank service fee is charged that makes the account become overdrawn? 
XXXX : at XXXXXXXXYes, Overdraft fee will also occur when the account is overdrawn due to service fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Deutsche Bank
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Deutsche Bank has charged me {$4700.00} in my mortgage escrow for lender-placed insurance when I in fact had insurance during that period through my local agent. As you know, it is illegal for someone to be charged twice for insurance for the same house. I have complained to Deutsche Bank for more than a year about this, but they refuse to do anything to refund the escrow overpayment. Enclosed are documents, one from Deutsche Bank and  one  from my local  XXXX   XXXX  agent, that tell the story.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company named Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : ( XXXX ) XXXX has filed a collection for {$220.00} against my name claiming they are collecting on behalf of XXXX XXXX XXXX XXXX. The charge they claim is for XX/XX/2020. I contacted XXXX XXXX XXXX  directly and they have no knowledge of any debt I owe them. Besides, all my XXXX bills are paid directly via auto pay linked to my debit card or bank account. This includes the XXXX XXXX  component as well as 4 wireless lines. I do not have any other accounts with XXXX. I am enclosing a chat transcript with XXXX  and screen shots of my bill pay history for all my XXXX  accounts. 

I also researched on XXXX  and other websites that there have been over 530 complaints against Sequium Asset solutions https : XXXX I believe this company is a fraud and they are trying to scam people. Such people need to be shut down and criminally investigated. 

I tried to resolve this with XXXX but they said they investigated the dispute and believe the account is indeed mine - which is completely baseless unless my identity was stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Comerica
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I 've had a Direct Express Debit ( MC ) Card for 2 1/2 years ( only VA & SS benefits can be deposited on this card ). On XXXX XXXX, XXXX, my card was hacked and {$1000.00} was removed. I informed the card Fraud Div. of this on XXXX XXXX, XXXX, immediately after learning of this incident. And, I immediately returned the fraud papers ( the same day ), they sent to me to fill out. I was told ( via phone call ), they would deposit the lost money to my card upon receiving my returned fraud papers, which happened many weeks ago. To date ( XX/XX/XXXX ), the money has not been returned to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I am from the XXXX, and had a savings account in the US with HSBC. I closed the account last XXXX, but only received the cheque for the balance in XXXX this year. It was impossible to contact the bank. It was impossible to get through their automated phone system, as I do not have the items of ID requested ( as I am not a US citizen ). I emailed them, wrote letters and phoned on numerous occasions before finally getting my money 7 months later. No apology, no explanation, and seemingly no reason for the ridiculously long wait for my money. It has been the most frustrating experience, and with no way of contacting anyone of import at the bank itself, I want the world to know how horrendous and incompetent they have been with sorting out this situation. If I could find the name of the chief exec of HSBC America, I would have just written to them, but this seems impossible too, so, I have resorted to this! I would not recommend using this bank to anyone! The levels of frustration - and indeed anger - is incredible, especially as it all seems avoidable. I would love to have an apology from the bank, if not some form or compensation - as I missed 7 months worth of interest on the money they still had ( over {$3000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/2007, I bought a new house and contacted XXXX Security to install a security system. 

According to city ordinances in XXXX, NC, any new alarm system installed in a home is to be registered with the XXXX XXXX Police Department. 

XXXX subcontracted the job to a third party installer who never registered the system with the Police Department or notified me to do so. 

The house was robbed shortly thereafter and since the system was not registered, the police were never notified. 

I filed a complaint with XXXX Security for breach of contract and terminated my contract since they never fulfilled their duties under the agreement. 

Almost XXXX years later, XXXX has chosen to levy a fee of {$390.00} and turn the account over to a collection agency, Transworld Systems Inc., of XXXX XXXX XXXX, XXXX, PA, XXXX. 

This collection agency chose to contact me now, while I 'm in the process of obtaining a loan to buy a new house as a means of exerting pressure and collecting what is a fraudulent debt. 

I ask for the Consumer Financial Protection Bureau 's assistance with this matter so that I can preserve my good name and credit history. 

The account number being used by the collection agency is XXXX. 

Thank you sincerely for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: EQUIFAX, INC.
State: IL
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 have paid this account. Showed proof that it was a pay to delete. Showed proof of cashed check from this company. The credit bureaus have been reporting this incorrectly and have violated my rights per the FCRA TO REPORT ACCURATE INFORMATION OR DELETE ... they continue to update as opposed to delete AND THEY UPDATE IT WITH MORE INACCURACIES. I CONSTANTLY SEND IN PROOF ALONG WITH MY IDENTIFICATION AND MY PROBLEM IS NOT RESOLVED AND THEY CONTINUE TO SPEND MORE TIME DUE TO COVID WITH A IMPROPER INVESTIGATION.. I WANT THIS DELETED PER THE FCRA OF INACCURATE INFORMATION.. i even provided the cashed check for a pay to delete which was STILL NOT UPHELD the account XXXX/XXXX  XXXX   agreed to pay and delete its on the cancelled check .. credit bureaus continue to update add inaccurate comments as opposed to protecting my rights that are clearly stated in THE FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did n't have a cell phone with XXXX. I was XXXX during that time and could not have had a phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
AMEX defrauded me of XXXX bonus miles and {$50.00} credit even after completing {$1000.00} spending within 3 months and XXXX SPG bonus points in SPG card AMEX sent me a mailer with a promise of XXXX bonus miles and {$50.00} credit even after completing {$1000.00} spending within 3 months.The copy of the mailer is uploaded at XXXX : XXXX However AMEX declines to honor it stating my claim for bonus miles for my Gold Delta SkyMiles ( r ) ( ending XXXX ) is invalid since I had the card before and hence ineligible for bonus. However, as the scanned invite letter from AMEX shows, it was an explicit invite application and nowhere was it mentioned that bonus does not apply to previous customers. AMEX has amended its rules past my application and continues to deny despite my best efforts to reach through their customer support and XXXX. AMEX has done so for my other AMEX XXXX Guest card ( ending XXXX ) in the same vein and defrauded me of XXXX SPG points.However, I failed to capture their mailer on scan. I implore XXXX to hold AMEX responsible to honor their explicit invite in my name with my Skymiles details for application and bonus miles which has resulted in over $ XXXX in charges on the account that could have been spent through a different credit card. Such " bait and switch '' of terms should be seriously reprimanded and I hope XXXX does more than being a messenger in the middle to scrupulous business practice by AMEX cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
Amex ( American Express ) and XXXX terminated their relationship. Amex sent out confusing information about the termination because Amex failed to differentiate " rewards '' ( which would be transferred ) and " membership rewards '' ( which can not be transferred. ). Amex unilaterally terminated the program and stole thousands of membership reward points from its credit card holders. Amex could have done any of the following 1. Continue the credit card and points without XXXX. 
2. Continue the membership reward points. 
3. Converted them to a debit card 4. Sent a check. 
They chose to defraud its card holders by arbitrarily cancelling the membership reward points after XXXX XXXX, 2016. I spoke to XXXX in XXXX ID # XXXX and her boss XXXX refused to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received medical care at XXXX Medical center which is in network with my XXXX Medicare Insurance. My XXXX consulted with a hospital XXXX concerning something during my XXXX. This hospital XXXX was in network with my insurance, however the hospital XXXX incorrectly filed their paperwork as out of network. They have been informed of their error several times. Despite these they have sent the bill to collection and impacted my credit score adversely

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Adding money

Complaint:
I am re-opening this dispute. I 've been trying for over 6 months to resolve this with Target. However, they have been unhelpful. 

You can see from the attached letter, that I tried for 2 months last fall to resolve this. They sent it to the wrong department. 

I just called them and tried to resolve this yet again. They told me to contact XXXX XXXX gift cards. 

However, XXXX XXXX said the money has been released to Target, and there is nothing they can do. 

I am attaching documentation of all of my loads for XX/XX/XXXX. 

As you can clearly see, I loaded {$6500.00} ; however, I was only credited for {$5000.00} XX/XX/XXXX by Target. 

Their response from last fall was that the XX/XX/XXXX load in fact loaded on XX/XX/XXXX ; however, I did an additional {$2500.00} load on XXXX. 

I 'm not disputing that the XX/XX/XXXX load posted on XX/XX/XXXX. I 'm disputing that the entire loads for the month is missing {$1500.00}. 

My documentation is provided, the numbers do not add up to the missing {$1500.00}. 

Again, I 'm only focusing on XX/XX/XXXX, not the XX/XX/XXXX statement date, which includes loads in XX/XX/XXXX. 

I am hoping I can resolve this soon. Target has been no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: AMERICAN ADVISORS GROUP
State: TX
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:
Please Read. This is new information. 
AAG did not have permissible purpose to access my credit report. Even if AAG has permissible purpose, AAG did not have my authorization to pay another to access my credit report on their behalf. Why doesnt AAG pull credit reports themselves? 
AAG argues as a person, not as a company, that they have permissible purpose to pull credit per FCRA Section 604 ( 3 ) To a person which it has reason to believe. Who is the person this person at AAG? HOWEVER, to make this worse for the consumer, AAG THEN hires another company, XXXX XXXX to pull a consumers credit report and has XXXX XXXX company attach their name as the one who pulled the credit report.??? So AAG argues they have permissible purpose but hires XXXX XXXX to pull credit who does not have my permissible purpose?? XXXX XXXX openly admits they pulled my credit for their client and refuses to give proof that AAG is their client? 
AND all Credit Reporting Agencies are aware of this happening, but do nothing to stop it. They simply point the fingers at their clients requesting my information. Perhaps the CRAs could institute some policies and requirements to stop this. They are ultimately responsible for consumers information. 
Now a persons information is at risk with AAG, XXXX XXXX and owner, XXXX XXXX XXXX, and all the other companies affiliated. And later all the companies can stand and point their fingers at each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a new bank card in the mail because my original card was about to expire. On XX/XX/2020 I notice an unauthorized transaction I reported to Chase Bank, they stated they only go back for 60 days. I canceled that card and requested a new bank card also, request for my credit report for all 3 Credit Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Tormey Bewley Corporation
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Collection efforts after debt was discharged in CH-XXXX bankruptcy. Creditor sent debt to XXXX Collection on XXXX. Continued collection efforts, placed deragatory information on me credit report On XX/XX/XXXX and again on XX/XX/XXXX. Information was in VIOLATION of AUTOMATIC STAY US Bankruptcy code. Deragatory remarks must be removed from CRA 's immediately due to being AFTER the Discharge of the debt.

Company response to consumer: Closed
Consumer complaint received 2016-02-17
Company: ASTA FUNDING INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have come to find out that Palisades Collection, LLC XXXX has obtained a judgment against me that I never received notice to dispute, I called the Court and they say it was served to an address that I never resided at? How is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for an account at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify to open an account with them because of two accounts reflecting badly on my credit report. The names of the accounts are XXXX/XXXX and XXXX XXXX XXXX XXXX. Neither of these accounts belongs to me and I did not give anyone permission to open these accounts with my personal information. I did not benefit anything from these accounts such as money, goods, services or any other type of benefit and I did not make any transactions or payments towards these accounts. I already got in contact with both companies and filed a police report regarding these suspicious accounts.

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 2018-07-07
Company: CREDIT ACCEPTANCE CORPORATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a car loan out with credit Acceptance. I have called them about reporting a late payment on my account that wasnt correct and when I called the lady wa every rude too me, and told me that everything that they report is always correct. I went on their website looked at reviews and noticed it has happened to a lot of people. In XXXX they said I was late 30-59 days. I have two payments in XXXX one on the XXXX and another one on the XXXX. I have pictures on my phone the two times I paid. The lady wouldnt even look up my account she was just flat out rude.

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 2020-10-04
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I had my account frozen about XXXX and a half weeks ago I was told to fax in docs I did that but still frozen

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