BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit account with PayPal Credit. I have made 1 purchase in XX/XX/XXXX in the amount of {$110.00} while I was out of the country. By the time that I came back to the USA, the XXXX bill was in my mailbox and I paid {$110.00}. After making the payment, I left the country again and could not come back until the end of XX/XX/XXXX due to having XXXX myself then my XXXX XXXX getting XXXX while abroad and my mother getting a XXXX while abroad. When I came back home around XX/XX/XXXX, I saw a bunch of voice mails on my USA phone and mails from Paypal as well as from Synchrony Bank saying that I owe them a balance of {$280.00} as of XX/XX/XXXX. 

Upon calling Paypal, I learned that when I made a payment in XX/XX/XXXX for {$110.00}, it was past due and they had already issued {$29.00} late fee, which I did not know was issued because I made the payment based on XXXX statement. Since then, they have added $ XXXX monthly late fees and additional interest charges each month. So, the initial {$29.00} late fee that was not paid with the payment of {$110.00} snowballed into {$280.00} as of XX/XX/XXXX. 

I should not be paying late fees over late fees. If there was any purchase that I made that I did not pay, I can understand how the fees get added until I make full payment. However, I did not see the statements or calls or voicemails while I was out of the country and a credit company keep adding their fees over their own fees is not right. 

I have called PaypalCredit and asked the fees to be waived considering that total balance on my account is accrued fees and not a purchase and said that I can pay the initial late payment fee since my {$110.00} payment was not received on time. However, PaypalCredit said that they can only waive {$40.00}.

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 monetary relief
Consumer complaint received 2023-02-27
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I made a payment arrangement with Home Depot credit card services to pay {$150.00} a month through Citi Cards. I told the representative that I could not make the first payment until XX/XX/XXXX. I was told by the customer service representative that there would be no late charges and no interest as long as I made my payments each month. I received a letter dated XX/XX/XXXX confirming the agreement. 

I made the monthly payments beginning XX/XX/XXXX as agreed. I continued to make payments each month for the agreed amount. On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that I had missed XXXX or more payments. I contacted Citibank on XX/XX/XXXX to dispute the letter. I made four phone calls trying to resolve the matter. I was told by each representative that they showed no notes of a payment arrangement even though I referred to the letter confirming the arrangement and pointed out that all interest charges had ceased as agreed. 

I attempted to make a payment on XX/XX/XXXX to honor the agreement but was unable to make a payment. I contacted Citi Cards on XX/XX/XXXX and spoke with a representative to no avail. I requested a supervisor to resolve the issues. I was told by the representative that unless I explained why I need to speak with a supervisor she would not be able to transfer my call. I also attempted to speak with a supervisor on the previous call and was placed on hold for more than an hour. I was told that the account had been charged off on XX/XX/XXXX and reported to the credit reporting agencies. 

I did not default on the payment arrangement and now there is a charge off on my credit report and also Citi Card continued to report my account as being more than 30 days delinquent despite the payment agreement.

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 2022-05-20
Company: Experian Information Solutions Inc.
State: MI
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING INACCURATE INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry 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 2023-01-21
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've tried reasoning with both XXXX and the credit company now. Neither will accept fault and remove this error. Here is the full story. 

I transferred my phone number ( XXXX area code ) into XXXX XXXX XXXX under a brand new account. The representative on the line apparently opened up two brand new separate accounts without my knowledge. They tied my XXXX phone number to one account, and created a brand new phone number for the XXXX account. So now, there are two accounts under my social security number created on the same date. I am only aware of one. I go about my life and pay my bill as I normally would, without any indication or request to pay for the 2nd account. Eventually I receive a letter in from collections stating I havent paid my XXXX account, but when I log in my account is paid in full, on time. 

I've contacted XXXX and spoken to multiple departments. I've explained my story. They understood my issue and admitted fault, but said they can not reverse or cancel the error. They will not contact the credit company and fix this mess. 

I contacted the credit company and explained the situation. They ackowledge that this isnt my fault and XXXX should fix, but will not remove the error from my account. Nobody is helping me. My credit has taken a hit. This debt is going to be on my account for the next 7 years. XXXX is stealing money from me. This is not fair. I need some sort of help, please. 


Specific details : The correct account number : XXXX ( PAID IN FULL AND CORRECT ) The account in collections : XXXX ( WHO MADE THIS? I did not authorize the creation of two accounts. The representative is trying to scam me )

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Reference CFPB case Number : XXXX and XXXX Ally Bank was notified and received my correspondence requesting validation of a illegitimate debt they hold in my name on XX/XX/2021, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. They never sent me anything proving that I had any contractual obligation with them for any debt. They never provided a signed agreement between them and I proving that they have are the holder in due course or that we have any contractual agreement together. 
I never nor did XXXX XXXX receive any Loan from Ally Bank. All that was provided to me was a Retail Installment Contract showing a credit sale between myself, XXXX XXXX and XXXX XXXX XXXX I am the holder of the title of my vehicle with no security leins or judgments.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: WELLS FARGO & COMPANY
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:
XX/XX/XXXX i noticed online an unauthorized ( pending ) transaction ( {$36.00} ) on my wells fargo checking.immeduately contacted fraud dept. they pointed out that same company ( XXXX XXXX XXXX ) had previously charged three other times since XX/XX/XXXX. for 3x {$36.00} & 1x {$12.00}. 
i informed wf that i was receiving no subscription, Bank opened a dispute case told me that they must allow the pending payment to process to completion tgen it would be added to other charges in dispute. 
and told me that I would have a response and refund 10 to 15 business days. on the XX/XX/XXXX I saw a deposit into my account that said final deposit {$12.00} with no other explanation received an email on the XX/XX/XXXX which said that they had made a decision that I would receive a letter explaining the final amount that was too excited and that if I still had questions once I have that letter so I should call two weeks later no letter.when i could wait long enough on hold it took 19 minutes to speak to someone who tgen put me on hold for most of the call. only to tell me that wells fargo was only liable for the {$12.00} ( introductory rate, i called XXXX XXXX XXXX myself while awaiting the letter which never came ) XXXX cancelled fraudulent account in my name, suggested i push back on my bank for refund. Wells Fargo agent insists theyre not liable for anything beyond 60 days. ( not even the pending transaction which i alerted them to? ). 
W.F. bank. says theyre pushing back on visa to refund the money and that decision could take up to 45 days. i requested a letter stating so & she told me that I would receive a letter once they have a final decision. my truck was broken into XX/XX/XXXX, thieves took my XXXX, notebook, cell phone, & in XX/XX/XXXX my mother XXXX, so i didnt notice the unauthorized transactions, when i did i alerted bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On or about XX/XX/2023, I received a call asking for " XXXX '' I told the caller that I have had this number for 15 years and I do not know anyone named XXXX. 

On XX/XX/2023 at XXXX XXXX I received another call. It was the same number asking for XXXX XXXX ( or something that sounded similar ). I asked if it was the same person who called me before and they said we will keep calling until XXXX contacts us. 

I again told the caller ( named XXXX, who said he was a specialist at the XXXX XXXX office of Nissan Motor Acceptance, but would not give his name or employee number for " his privacy. Apparently my privacy doesn't matter ) that I don't know anyone by that name and that I asked them two days ago not to call me again. 

I said I thought that this was a TCPA violation and he said that since I am not a customer ( so he admits that I have nothing to do with Nissan ) that he can call me if he wants and the TCPA doesn't apply. 

I asked for a supervisor. He said that he would get one. After 10 minutes XXXX told me that he would take my name off their list but again demanded that I give him contact info for XXXX. I sat on hold for 21 minutes until I got that supervisor, whose name was XXXX. She did apologize, but I want to make this complaint, because the original rep seems to think that they can bully people and threaten to call their phones repeatedly for debts they do not owe. 

The number they called me from was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX  XXXX Balance : {$9600.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022

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 2023-01-21
Company: EQUIFAX, INC.
State: DE
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 this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX. As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I recently checked my credit report and realized that these accounts are fraudulent. These accounts negatively affecting my account and hindering me from purchasing a home. I want these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have already sent a letter to the TransUnion bureau requesting the removal of the inaccurate personal information, accounts, and inquiries reporting on my credit file but the account and inquiry listed below are still reporting on my credit report and are violating Federal Law. Equifax Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and continues to report unconfirmed information. They should remove these accounts and inquiries completely from my Credit Report : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}

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