BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
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: Information belongs to someone else

Complaint:
checking my credit file ive noticed alot invalid data that is hindering my credit. I'm intrested in disputing all incorrect information on my credit report on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Bread Financial Holdings, Inc.
State: VA
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:
COMENITY - COMENITY CARD, XXXX TX On XX/XX/XXXX I received a statement for charges to a credit card I havent used in years and have destroyed. The charges were not made by me and are suspicious in nature ; XXXX charges of XXXX all made on XX/XX/XXXX by XXXXXXXX XXXX XXXX XXXX Total due {$8.00}. 
I repeatedly try to call the number on the statement for help, went through prompts, only to be continually disconnected. On XX/XX/XXXX I wrote a comprehensive letter, included all documentation, and mailed to their designated Customer Care Team at address indicated on statement. On XX/XX/XXXX I received a letter stating they received my claim and are researching it. On XX/XX/XXXX I received another statement with late charges and interest. Repeatedly called number indicated and was repeatedly disconnected. 
On XX/XX/XXXX I wrote another letter and included all documentation. On XX/XX/XXXX I received another computer generated letter saying they received claim and are researching. On XX/XX/XXXX I received another statement now with a total due of {$160.00}! 
I made three more calls today to try and resolve and continue to be disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Unable to get access to assets in Robinhood XXXX XXXX or account information that is potentially compromised. No possible way to contact services. This is conerning and I don't know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX  {$10000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX {$3600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7900.00} XX/XX/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 2023-02-13
Company: T.S. Holdings
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a collection notice from the company on XX/XX/XXXX. This was my first notification that I had any outstanding debt/a collection account outstanding. When I asked, they stated that they had sent " multiple letters '' ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) but that all of the prior letters had gone to my previous address- the address for the apartment complex that was claiming I had unpaid charges at move-out and which was clearly not my address any longer. I did have mail forwarding for that address for 6 months after moving out. Further, I did not receive any phone calls ( I have had the same phone number for the past 10 years ). I was shocked to have received a notice like this 5 years later. Upon contacting them to settle the account, I noted that their letter stated that my account was currently being reported to the credit reporting agencies. Upon asking this question, they stated that they hadn't reported this to the agencies yet ( which makes sense, since I pull my credit annually and did not see anything about this debt ). When I told them I wanted to settle for the 40 % of the balance offered in the letter that they sent, they stated that if I did that, they would then report this to the credit bureaus for paying less than the full amount due and it would negatively impact my credit unless I paid the full amount of the balance. 

When I asked why I would have to do this and why they would report my account to the credit bureaus and harm my credit, even though they hadn't made any reports to the bureaus for the past 5 years, they stated it was " what they are allowed to do by law ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: IL
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:
XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I just recently did another dispute, which Im uploading here. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Need record of proper account balance. Account balance is outdated.

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 2023-02-14
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
The lender XXXX has been paid in full. Keeps reporting in accurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Unifin Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
TO WHOM IT MAY CONCERN Unifin Reference Number : XXXX XXXX XXXX XXXX # : XXXX Original Account Number : XXXX Debt Description : XXXX XXXX Total Amount of Debt Now : {$4900.00} I spoke with your agent on phone and we both agreed for a {$300.00} payment for 12 months totaling to {$3600.00} to offset the above debt. I gave them my card details and expected it to start on schedule on XX/XX/XXXX as agreed. 

To my dismay, no payment has been taken out even after I called back to confirm start of payments. Check your voice recordings from my then number XXXX XXXX XXXX. 

I keep getting the same letter in my email telling me to take advantage of the discounted offer! Which I did the second week of XX/XX/XXXX. 

Could you let me know when you intend to start deducting money monthly as agreed? Could you also send me a letter of confirmation that the {$3600.00} amount is in full payment of the debt owed for {$4900.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I just recently did another dispute, which Im uploading here. I want this account deleted from all XXXX major credit bureaus because this balance is incorrect due to fraudulent charges.

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 2022-03-02
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a promotional card with XXXX XXXX Synchrony Home until XX/XX/XXXX. 
By paying {$75.00} a month my promotion would be paid off early.

The minimum due is {$64.00}, I have been making payments of {$75.00} siXXXX  XXXX of XXXX. 
I thought i was set up on autopay payments, but it was multiple. I missed my XXXX payment by XXXX days. I logged and set up my payments for another year. Today I noticed, that they charged me {$29.00} for XXXX, and additional {$40.00} for XXXX saying I have an {$18.00} amount past due. How is this possible when I have paid {$200.00}, more than I am supposed to, and now they are saying my minimum payment is {$100.00}. This is a promotional purchase until XX/XX/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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2020-02-14
Company: WELLS FARGO & COMPANY
State: FL
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:
I have recently discovered that Wells Fargo opened a Fraudulent credit line in my name without my authorization. I have contacted Wells Fargo customer support and was of course confused at first not looking into or being knowledgeable about the big scam and I made a case about it, and they did an " Investigation ''. Wells fargo concluded that I willingly opened an account and they left a note on my credit score that I'm in debt to them. Now I can not open a creditline or get approved anywhere, I had no  previous credit history before so I imagine that made me a target for them. In late XXXX at a height in the scandal I was XXXX years old and at that time I was not interested in opening a credit line, although I had a debit card, not with wells fargo. According to them The account was opened XX/XX/XXXX the same Month of my Birthday. I also had been out of the country one month later, I left in XXXX and had no credit lines opened to my knowledge. I have researched on the fraudulent scandal Wells Fargo committed and how many citizens were affected I don't only feel concerned for myself but offended for the other people who had to go through this. I would like to find a way to get this off my credit score and have Wells Fargo harassment stop. Because they now want to collect roughly 1,200 dollars that I never used.

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 2023-02-14
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is a prepaid medical provider you must prepay before any services or rendered. I have records of me paying 160 because they do not take medicaid.They both my report as closed and the collection is reporting derogatory closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Colony Brands, Inc.
State: GA
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 advised XXXX of the erroneous reporting of these accounts multiple times and they keep reporting this incorrect information. XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX  have all refused to update the information even after I have provided verification of payments to satisfy these accounts. The problem clearly lies with XXXX  because I don't believe they are contacting any of the agencies and verifying any of the information.I want these accounts removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: EQUIFAX, INC.
State: SC
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 sent letters to the 3 major consumer reporting agencies on XX/XX/XXXX and XX/XX/XXXX asking that they remove or block all accounts and inquiries that were showing as a result of fraud. I asked that if any accounts were verified that the proof be sent to me, my request were not honored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America provides very confusing information about account fee, which mislead common customers like me. One policy about account fee waive is {$250.00} salary deposit a month. I have bi-weekly pay and deposited {$250.00} a month, which is based on the information they provided and I followed that policy. But there was a charge {$12.00} account fee in my account this month. They explained the confusing and misleading policy, there are not any examples to explain in policy and thus customers are most likely to interpret and remember {$250.00} pay deposit in total a month to avoid the fee. I believe that the policy statement is very confusing and misleading to customers, which violates customer rights since it is so misleading and a lot of customers don't interpret like a financial professionals without an example, and thus I ask to get {$12.00} refund and hope they can correct this mistake by giving some examples in their policy statement. Obviously they benefit from the confusing and misleading information and common customers pay the loss.

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 2023-02-14
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
I have a mortgage loan from PHH MORTGAGE SERVICE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called PHH MORTGAGE SERVICE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, and PHH MORTGAGE SERVICE with no successful resolution. XXXX reporting me 30 days late in XXXX of 2022. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am writing to bring to your attention a serious issue I have encountered with my bank, Wells Fargo. I was recently scammed by a fraudulent organization, XXXX, and I have suffered a financial loss as a result. The fraudsters convinced me to wire money through Wells Fargo for fraudulent charges. 

I was shocked to find that my bank did not take any steps to warn me about these individuals, or even halt the transactions when it became clear that the destination of funds was unsecured. I believe that Wells Fargo has a responsibility to protect its customers from fraudulent activities and it is unacceptable that they failed to do so in this case. 

Attached to this letter, you will find evidence of the transactions I made with XXXX. I have also reported the fraud to various agencies, including IC3, SEC, FCC, and the State Attorney Generals from Colorado and California. 

I request that you investigate this matter and take the appropriate steps to ensure that Wells Fargo is held accountable for its failure to prevent this fraud. I would also appreciate any assistance you can provide in resolving this situation and recovering my funds.

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 2023-02-14
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased my leased car from Hyundai Capital America on XX/XX/XXXX, via a check for {$12000.00} ( the total residual amount ). The check was cashed immediately, but I never received my title in the mail & have been in an ongoing battle this past year trying to get the documents I need. The CA XXXX said I need wet signatures on a Bill of Sale, Odometer statement, & other documents, all of which I have requested from XXXX over 2 dozen times. I have made over 50 phone calls in the past year, each time being lied to that my documents will arrive within a few business days. I received a Bill of Sale several months later on XX/XX/XXXX, ( which has now expired ) without the other required documents, so the XXXX has rejected my request for a duplicate title. On XX/XX/XXXX, I sent a packet of XXXX XXXX forms to the XXXX XXXXXXXX XXXXt via XXXX mail ( XXXX XXXX # XXXX ). I highlighted & placed Post-It notes on the areas needed to be filled out & signed. I also included a letter outlining the name of each form & what section they need to fill out in a very simplified manner. The letter was delivered on 2/6, but the XXXX claims they have not received it. On XX/XX/XXXX, I sent another certified letter ( XXXX XXXX # XXXX ) requesting a duplicate title along with a {$61.00} money order made out to the XXXX. I am attempting both approaches as a last-ditch effort. Despite dozens of attempts to resolve the issue with their customer service & escalation teams, I was met with unhelpful & unsympathetic representatives who provided me with conflicting information via scripted lines. This lack of accountability is unacceptable. I would like to request that you investigate this matter & take appropriate action to hold XXXX accountable for its poor practices. All I need is the title to the car I rightfully own.

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