BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I went to an XXXX XXXX store on XXXX to purchase a few items for my grandkids. A girl in the store approached me and asked if I had an XXXX XXXX card and I said yes, then she said would you like to up grade it to a XXXX card and made all these offers and discounts on the purchases I would make so of course I agreed. I never dreamed they would send a different card with the amount I spent that day which doesn't make sense why would I apply of an XXXX XXXX card if I have one. And, if they upgraded to XXXX I would still just get more credit and a new card with a XXXX XXXX. I am having enough problems paying my bills these companies do that so they can charge you INTEREST ON TWO DIFFERENT ACCOUNTS FOR THE SAME PLACE. Synchroncy Bank is famous for that they did that once before at a XXXX  store and I couldn't get out of it. So this time I'm over it.

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 2019-06-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a new complaint I am still waiting to hear from TD Bank regarding overdraft charges from XX/XX/2019 XX/XX/2019, XX/XX/2019 Overdraft fees XX/XX/2019 FEE OVERDRAFT PD View fee details - {$140.00} - {$210.00} XX/XX/2019 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY - {$12.00} - {$74.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$5.00} - {$61.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX NO XXXX XXXX XXXX XXXX NY - {$20.00} - {$56.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$29.00} - {$35.00} XX/XX/2019 FEE OVERDRAFT PD View fee details - {$100.00} - {$6.00} XX/XX/2019 XXXX  XXXX WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY - {$40.00} {$98.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX XXXX {$50.00} {$130.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX  XXXX {$50.00} {$88.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY XXXX {$5.00} {$38.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX XXXX {$100.00} {$43.00} XX/XX/2019 XXXX XXXX  XXXX ONLINE PMT - {$25.00} - {$56.00} XX/XX/2019 XXXX XXXX XXXX ONLINE PMT - {$25.00} - {$31.00} XX/XX/2019 DEBIT CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
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 XXXXXXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 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 a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: FL
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 want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Date : XX/XX/2021. Debt collection letter from Southwest Credit. 
About : XXXX auto insurance membership fee, amount : {$57.00}. 
I switched my auto insurance last year, and stopped paying XXXX auto insurance membership, since I got auto insurance policy and services covered by another auto insurance provider. I did not need XXXX auto insurance membership anymore once I switched to another insurance provider. 
But I still got debt collection notice from Southwest Credit Systems LP, stating that I owed AAA {$57.00} membership fee. 
It is total ridiculous! How can a prepaid insurance membership fee need to be collected since I even do not need to have its membership? Why XXXX sold such a kind nonsense to a debt collector? I was really upset by such a harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a credit card holder with Wells Fargo as of earlier this year. I have always paid my bills, and my credit score is over XXXX. I tried to contact Wells Fargo to no avail. 

On the last statement, Wells Fargo has billed me incorrectly in the amount of {$430.00}. This amount does not include my payment made on XX/XX/XXXX of {$170.00}. Therefore, the correct amount to be billed is as follows : {$430.00} - {$170.00} = {$260.00}. 

I have confirmed this amount with the Posted Transactions for this period of time. The Posted Transactions do reflect my payment of {$170.00} and the reward {$14.00}. If you add up the Posted Transactions and the payments/rewards, you will arrive at {$260.00}, the correct amount to be billed. See enclosed screenshots. 

Solution : Have Wells Fargo correct their mistake and bill me for the correct amount of {$260.00}.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This is in regard following account ; Alleged Creditor : XXXX XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.

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 2021-03-19
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I have mailed dispute letters to all 3 credit bureaus XXXX  ; Equifax ; and XXXX  about items on my credit reports that I should be removed. I have not received any responses from any credit bureau regarding the disputes. I have sent month after of month of disputes and have never received a response, the letters in question have been attached as proof my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Identity theft I noticed and incorrect Accounts on my credit

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: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Money was hacked out of my account and no one from Truist will help me and Ive been on hold for 7 hours. They keep hanging up and just leaving me on hold in a loop for hours straight. I just want my money back so I can take care of my family.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX and notified them that there were many mistakes on my credit report and that it's preventing me from getting the correct rates for my business since the information they have is inaccurate. When I submit a dispute, all they respond with is stall letters and they don't respond back with any of the documents to show that " their investigation is accurate ''. I submitted disputes in XXXX, XXXX, and XXXX and waited the number of days in between disputes. I now request to get all the information deleted from my report immediately since they did not follow any prior requests.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
This is my OTHER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The vehicle was repossessed shortly after I got the vehicle, a debt collector company sent me a letter from the court saying that they are garnishing my wages and it will cause me extreme hardship if they garnish my wages as my household is low income, I believe credit acceptance knew that I was not gon na be able to keep up with the payments for the vehicle but still managed to get the loan approved some way some how which I didn't think I would be approved at the time they kept calling and saying they would help me get into the vehicle just to leave it up to them which was surprising to me but I was in desperate need of the car at the time to commute to work bc I was spending to much to have a taxi to get to work

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 2023-06-12
Company: Avant Holding Company, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I the consumer did not consent too, nor authorize this inquiry from XXXX XXXX  on my transunion consumer report. XXXX XXXX did not have my permissible consent to obtain my consumer report from Transunion. Everything is electronic I did not give them my written consent to obtain my consumer report per section 1681n ( b ). Any corporation who obtains a consumer reporting agency knowingly without permissible pretenses shall be liable to the consumer reporting agency for actual damages in {$1000.00} Per section 15 USC 1681n ( c ). If you can provide a copy of a credit application authorizing the disclosure of my files with my signature, I will accept the inquiry. If such application is removed I demanded this inquiry be removed from my consumer report. In accordance to section 15USC 1681 ( b ) I the consumer sustained actual damages and I demand {$1000.00} for the violation via Check .I would greatly appreciate a response from you within 30 days.

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 2021-10-10
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. 

Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kansas medical privacy rules XXXX 

I also hereby reserve my right to take private civil action against you to recover damages

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 2019-06-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX XXXX ( Miscellaneous XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX collection bureau of a 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 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