BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a XXXX XXXX XXXX XXXX card which I cancelled on XX/XX/2023. Paid them what they said I owed which was {$2700.00} but on XX/XX/2023 they recieved an {$81.00} payment. I received a bill for {$54.00} which is due on XX/XX/2023. I asked for payoff on XX/XX/2023 and to cancel my card. Which they did but they are telling me the XXXX is interest on XXXX. I feel like they are over charging me on the XXXX for the whole bill cycle. Everything should have been paid in full at the time I asked for the payoff and cancelled my 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 monetary relief
Consumer complaint received 2021-08-29
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i was told i needed to submit a subpoena in order to access my funds by a bank teller at WellsFargo and XXXX, i also had deposits made thru the treasury direct and on my bank statement it shows as a floating adjustments. I've contacted the federal reserve board but they weren't much help.

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 2023-11-17
Company: EQUIFAX, INC.
State: CA
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 am writing to dispute the inaccurate late payments reported on my credit file. After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request the removal into these discrepancies and to rectify any inaccuracies in my credit report. 
Below, I have outlined the specific details of the inaccurate information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXX OF THE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Anderson and Associates Credit Services, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
During the months of XXXX to current I have made a a few attempts to contact Anderson and associates LLC in XXXX Oregon regarding this debt. I told the owner I was going to file bankruptcy to get rid of the debt and he proceeded to call me a XXXX XXXX XXXX. He also threatened to put a lien on my house. He has spoken to e in a hostile way. I believe this is a clear FDCPA violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I applied, and was approved for a new {$10000.00} XXXX bank CD with XXXX XXXX ( powered by Webster Bank ) XXXX XX/XX/XXXX. I noticed that {$10000.00} was taken out of my funding source XXXX XXXX XXXX XXXX the very next day ( XX/XX/XXXX ) for this CD. Then, I opened an online account with XXXX XXXX and noticed that my balance for my CD is still showing as {$0.00}, even to this day ( XX/XX/XXXX ). How come? I should have received daily accrued interest with XXXX XXXX ( Webster Bank ) through this CD since XX/XX/XXXX, when they successfully withdrew my money from XXXXXXXX XXXX. I called and talked to a supervisor yesterday at XXXX XXXX customer service, and he said that I should see my {$10000.00} balance finally appear in my CD account by XX/XX/XXXX. But this delay in acknowledging receipt of my {$10000.00} is a deceptive banking practice by XXXX XXXX, no?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: U.S. BANCORP
State: CA
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/XXXX, I opened up a US Bank checking account with a bonus offer of {$300.00} if I had made a direct deposit of {$3000.00} or more into the account within 60 days. On XX/XX/XXXX, I made XXXX direct deposits for a total of {$3000.00}. Today is XX/XX/XXXX, and I still have yet to receive the bonus I was promised for meeting the conditions when I signed up for the account. Also, my account was charged a {$2.00} fee for receiving my monthly statement which was also unclear to me upon signup.

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 2023-06-21
Company: Global Lending Services LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, I have an account with Global Lending for a loan on my XXXX XXXXXXXX XXXX. 

I have attached a breakdown of the payments I've made. Currently, I am XXXX full month behind but have made continuous payments. 

The issue at hand - I get multiple phone calls a day from Global Lending. They are now starting to call my job each morning for me as well. I am attaching screenshots of the XXXX calls in the last week. I have severe anxiety and XXXX and this is harassment. I have asked them to stop and I've explained that I've already sent them payment this month and they will not quit. They are in violation of multiple Codes of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Students loans duplicated and were paid off showing on credit sent dispute to have them removed. Still showing need to be removed. 

XX/XX/XXXXCreditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXXClosed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXXCreditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility  Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name DXXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened DateXX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00}XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed DateXX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$750.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00}

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 explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX, I have been trying to build my credit but due to identity theft I have these accounts on my report, that are causing a big affect for me to get approved for things so today, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
If any questions or concerns you can contact me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below 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 2023-06-21
Company: ADP Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My wisely will not let me have an account with temp companies due to an hour issue with a cash load of XXXX they said I trued but I dint think I tried to look ad that much that's above the legal limit of I did try to load that much cash the cash like loading location should have denied it. Who XXXX it didn't. If I trued to look ad that much. That is since the card loading limit. I still had a card because I was still technically employed with people ready in another location and labor finders I just had to update my driver 's license which had expired. When I renewed it it shut down my card. The XXXX facial.recognition software recognized the difference between my old license pic and my new one. I guess my wisely didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Novad Management Consulting LLC
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
unable to reach Novad by telephone. kept on hold for over 1 hour and no response. 
I am sure the amount of reverse mtg loan is payed out. I have received to letter or response to email. Now I find HECMa is still sending me the same amount each mo. 
but it appears to be a loan that I do not want and can not afford. However, I have no way of stopping NOVAD. What can I do and how can I stop them from adding interest on what they are sending me/ I am a XXXX year old woman and I really need answers. I took the reverse mgt out on my own through XXXX XXXX in XXXX. 
I would appreciate any and all help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi there, The website asked me a couple of questions to get to this page and I dont know if I answered them properly, but I am trying to get in contact with somebody regarding the Wells Fargo lawsuit or class action lawsuit. Im not really sure what is going on with that but I saw there anyone with a Wells Fargo account from XXXX to XXXX was eligible to receive a pay out and I wanted further information on this. 
Thank you, 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 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023, I contacted Capital One to do a Pay for Delete for a charged off credit card. The rep stated that Capital One does not do Pay for Deletes. 

I asked the rep what were my options. The rep stated that I could make full payment or do a settlement. The original amount of the charge off is {$5200.00}. The first amount the rep asked me to do was {$3900.00} and I said no. Then, the next amount was {$3200.00} and I again said no. We finally agreed to settle the amount for {$2800.00} and paid for as agreed. 

I asked the rep to please send that agreement by email or by mail. The rep stated that Capital One doesn't do that and they only send it after payment. I told the rep again that I was requesting the settlement agreement in writing before I make a payment. The rep again stated Capital One doesn't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
Bank of America XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to cash a check in branch. I was denied because the check was too large. XXXX said the amount of a check that is acceptable to cash in his branch is none of my business and he said I cant come back to cash any other checks.

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 2018-10-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
since XXXX, these companies have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the companies are currently reporting to the three credit bureaus that I had applied for credit with their organizations. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 

These inquiries have affected my credit dramatically. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These companies have requested a copy of my report without my consent. 

These are the following UNAUTHORIZED AND INACCURATE credit inquiries ( Validation is needed ASAP ) : XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX   TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Auto Financing Chase Bank Usa, N. A TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

Chase Bank Usa, N. A TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: OneMain Finance Corporation
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I sent One Main Financial a debt validation letter in which it was ignored. This is my second attempt at getting this debt validated and each and every question needs to be answered or this account need to be close and removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Tiempo Finance Company Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is Tiempo/XXXX XXXX XXXX. Have been calling my job phone every single day, 5-7 times a day, to collect a debt, since before XX/XX/2019. My director and myself have repeatedly requested them to stop calling my job, ( XXXX ). The ladies are extremely belligerent and rude. They call me non stop on my cell, after hanging up the job phone. I have recently mailed a certified mail cease/desist request to them or the TX Attorney General office will be notified. I just finished doing an online complaint with the FCC, as well. My mother just recently passed away and I have financially gotten behind. I told the lady this morning, that I know I owe and when I get money, they will get a payment and AGAIN, requested to stop calling my job and harassing me. They will NOT stop calling my job, after REPEATED requests, from myself, as well as my director. I work in an XXXX XXXX. Please help me to stop these people from calling my job, my cell phone and the phones of my family members. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to assertively bring to your attention that my credit file currently bears a collection entry from your agency, despite the absence of any monthly historical data for these accounts. I want to emphasize that, in accordance with 15 U.S. Code 1681i Compliance protocol, it is imperative that these entries be swiftly and unequivocally removed.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report incorrectly shows this account with monthly late payments, despite my record as a reliable and prompt-paying customer.

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 2023-06-22
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this letter on my own behalf. Upon reviewing my credit reports and gaining knowledge of relevant laws, I have come to the realization that both your agency and the collection agency are in violation of 15 U.S. Code 1681a ( 3 ), which pertains to the restriction on sharing medical information. According to this code, the exceptions mentioned in paragraph ( 2 ) do not apply when it comes to disclosing information to any person who is related by common ownership or affiliated by corporate control.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company LVNV FUNDING LLC is still reporting this account to XXXX, XXXX  and XXXX, I have asked them many times that I want them to provide me with the original contract as proof that this debt belongs to me because I am not going to pay them a single dime until I see the original contract. If this company keeps giving me problems then I will take them to court and file a small claims suit against them for reporting false information which is also considered defamation of character. It wouldnt cost me much to do so, on the other hand they will have to provide the original contract to the court. If they want we can do it that way. Delete the account from my credit reports immediately. I know that the FCRA states that a creditor must provide a consumer with the original contract when it is requested, if that cant be provided then the account must be deleted from the credit report. I dont want this company saying that this isnt me, doing this complaint because it is I.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I would like to bring to your attention the accounts that are inaccurately reflected as late payments on my credit report. Despite my consistent history as a responsible and longstanding customer with a track record of on-time payments, these discrepancies have emerged.

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