BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-21
Company: CURO Intermediate Holdings
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was sent through a text message on my phone from speedy cash, which I have no dealings with, but the kept trying to contact me. So heres the last harassment : Legal Matter. 

Read all case related information carefully we will not able to provide you any information over the phone if you willing to settle this matter out of court call us on listed number. 

Three Criminal allegations against your name under Financial Fraud are : - Violation of federal banking rules and regulations. 
Theft by deception Breach the contract with Loan Company The affidavit states that you went online or to the store utilizing your personal information which was track down by anti-fraud department, in order to solicit funds from My client which is XXXX XXXX XXXX.Basically all the loan companies in your state they are working under my client 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 ) so its doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse. 

As of today rather than chasing you for money XXXX XXXX XXXX has simply decided to write this money as loss & declared to be stolen by you & want to press legal charges on you & on your Social security number. We will be in contact with your current employer & the state credit bureau to garnish your paychecks until the total amount gets paid back to your creditor in full with the interest amount & the late payment charges. 

Your Credit score will hit by negative XXXX points & your drivers license will get blocked. 

You do have right to hire an attorney, if you dont have one or you can not afford to have one that shall be appointed to you by the Federal Court, but make sure you have someone to who can bail you out once you lose this case in the county court. 

Now this case going to be downloaded in your State County Court and your Local County Sheriff department after that you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$950.00} NOTE : This case is under investigation by the credit bureau so we cant accept your payment from your bank account or your debit card we can only accept EFTS ( Electronic fund transfer system ) payment at this moment so kindly contact on the listed number below to get the information for the XXXX XXXX and XXXX XXXX. 


XXXX XXXX XXXX XXXX To Remind you, I have never taken any loans out through this company. I have through a different company which is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I responded to an online advertisement for an American Express XXXX XXXX  card offering {$200.00} statement credit for any purchase on XXXX and another XXXX XXXX XXXX XXXX ( XXXX ) miles after spending {$1000.00} on XX/XX/2018. After I received my new card, I sent some money on a XXXX flight on XX/XX/2018 but did not see {$200.00} credit on my statement. On XX/XX/2018 I called Amex and spoke to operator XXXX who promised {$200.00} credit in 6-8 weeks. XXXX also encouraged me to spend {$1000.00} on the card by promising that I would get XXXX XXXX frequent flyer miles ( I have the conversation recorded and can provide a copy of the recording if needed. Because of XXXX confirmation I used the card to send over {$1000.00}. ) However, after 8 weeks have passed and I called XXXX I was told that they are not going to honor their promise and that I was not going to get {$200.00} or XXXX miles. The excuse I was given is that I used to have a similar card in the past. I was also told to send a letter explaining the situation to XXXX. However, it has beed almost 2 months since I sent the letter and no response came.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had my personal information exposed in several data breaches including the XXXX data breach, the XXXX data breach and the door dash data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.

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 2022-05-23
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:
This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$1900.00} XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CITIBANK, N.A.
State: NJ
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2021-08-25
Company: SYNCHRONY FINANCIAL
State: SD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021, my husband and I applied for joint credit with Synchrony Bank for an Ashley Home Furniture store credit card. I received a letter ( XX/XX/2021 ) in the mail to contact Synchrony Bank regarding my application. I called the number listed on the letter and was directed to XXXX and follow the prompts which included capturing image of my face and copy of my drivers license. After this was completed I called Synchrony Bank again and after being on hold for approximately 15 minutes. When agent came back on the line I was told my application was declined and to expect a letter detailing the reasons why my application could not be approved to be mailed within 7-10 business days. I did not receive a letter, however, I received an email communication from Synchrony Bank which included a link to unspecified document. I was unable to open the document and contacted the Bank to request assistance. The agent was unable to resolve my inquiry, and after asking the if the document was a Notice of Adverse Action, I was again told I will receive a letter in the mail within 7-10 business days. On XX/XX/2021 I again called Synchrony Bank to inquire why I had not received my Notice of Adverse Action ( my husband received a Notice of Adverse Action stating he was declined based on my information ). After a lengthy hold the agent finally came back on the line to inform a copy of the Adverse Action was requested and I should expect to receive within 7-10 business days. I have yet to receive the regulatory required notification. All I want is a copy of the letter with my decline reasons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I closed this account and it is still showing open and reporting to credit bureau as open. This account is closed because they kept lowering my credit limit using false information.

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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Creditor Reported I Was 30 day late for XX/XX/2022. The mistake happened because I called in late XXXX expressing to have my payment due date changed to XX/XX/2022 and The Call representative read me my disclosures and stated Your payments will now be on the XXXX of month starting now and you dont have a payment due until XX/XX/XXXX. I replied back and said thank you and I thought he disconnected the call but XXXX now founding out the call was dropped. My due date remained XX/XX/XXXX although its note and on record that I will like for my due to be XX/XX/XXXX and the Rep confirmed it. With a XX/XX/XXXX due date I would not 30 days with my account. I request that the 30 day late payment be removed from my account immediately because they have honor the XXXX of each month as my due date. XXXX can verify that every word in this statement is true my account is also paid in full and I have not missed a payment yet.

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 2022-12-03
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-03
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: Information belongs to someone else

Complaint:
I have spent the better part of the last two years trying to have fraudulent accounts removed from my reports. The time, stress, and financial damages they have caused me have beyond nauseating. These credit reporting companies have done nothing that would remotely be considered a legitimate investigation into these concerns. My next steps are to take these concerns to federal court. 
15 U.S Code $ 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after date of receipt. It has been well over 30 days and you are VIOLATION of this law due to the very fact that I AM A VICTIM OF IDENTITY THEFT!!!! Please delete these items that are enclosed on my federal identity theft report. 
To be clear, these accounts should not be furnished on my consumer reports as they are in VIOLATION of 15 U.S Code $ 1681c-2 AND under 15 U.S Code 1681b Permissible purposes of consumer reports, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I XXXX XXXX NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a FEDERAL PROTECTED consumer. NO CONSENT IS IDENTITY THEFT. As a consumer im demanding the deletion of the accounts listed IMMEDIATELY.

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 2019-07-31
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. 

1. XXXX XXXX | Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed the items below with the credit bureau 's but they did not remove then. 


XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX Please remove it from my credit 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 2020-02-08
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
First Progress closed my account and didn't even alert me that theyre closing the account. I would like an explanation of why my account was closed but yet I still have access to my online account and was able to setup and make payments but according to my credit reports it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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 3rd 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 listed below : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$380.00}, XXXX XXXX Balance : {$2300.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$380.00}, 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 2023-06-03
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 fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about as incorrect. The credit records I am complaining is not agreeable to me because as a matter of fact the items on the report are unknown to me and I want all of it to remove on my file because of its inaccurateness. Please remove the following items as they were fraudulent : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My complaint is against WellsFargo Bank in XXXX XXXX XXXX. On or about XX/XX/XXXX I went to an ATM, at XXXX XXXX in XXXX XXXX in XXXX, I couldn't withdraw my money. such money comes from my social security pension. As a XXXX XXXX I depend entirely on that monthly money from my pension. {$370.00} Dollars per month. I called WellsFargo in XXXX XXXX at : XXXX, XXXX also XXXX. At the beggining, the personel at wellsFargo stated that they would mail a new debit card at XXXX XXXX de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX became ill with XXXX  and could not use my money to pay for the medicine. I have made many, several attempts to reach out to WellsFargo to give me my money. I need them to transfer the money to my XXXX  account, or keep their promise to send me my new WellsFargo CARD, so I can withdraw my money from my social security deposits. PLEASE 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