BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AWA COLLECTIONS Without any notice nor information about the claimed debt in the amount of {$460.00}, AWA COLLECTIONS reported a negative report on my credit claiming that it owed to XXXX XXXX. I called them up, where I I informed them that I never received anything nor debt validation letter. I also informed them that I don't owe the debt. I also, communicated with XXXX XXXX, whom could not give me reasonable cause. I also requested form XXXX insurance a copy of my policy to see if there is anything in there that might give the right to XXXX XXXX to charge any money, but XXXX insurance refused to give a copy as I requested on the phone on XXXX separate occasions. On XX/XX/XXXX I sent AWA COLLECTIONS a fax ( please see attached ) requesting them to stop the damages by reporting false claims and also in the same fax I gave them my Credit Card and gave permission to charge up to {$1000.00} to stop the damages and end their extortion. However, nothing happened. In XX/XX/XXXX I sent them an other fax of the same. At this time any person would see the reason that they are extorting me for an amount more than {$1000.00}. In addition, XXXX XXXX XXXX XX/XX/XXXX sent me a letter ( see attached ) showing clearly that the policy got canceled as of XX/XX/XXXX, thus no money is owed to XXXX XXXX. Both XXXX XXXX and AWA COLLECTIONS has not given me any reason on why the claimed {$460.00} is owed till this date despite my repeated requested for debt validation letter ( never sent till this date ). At his time and reasonable person will see thar I'm standing as a victim of an extortion game. This has damaged me in tens of XXXX of dollars, thus my attempt to offer upto {$1000.00} to stop the damages. Yet, as I informed both AWA COLLECTIONS and XXXX insurance of such loses, now they are holding out to extort more money ( unknown ). ( please see the attached fax and email to XXXX insurance )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 
The following Accounts : XXXX : Lease with 4 late payments in the past 12 months, most recently in XXXX. account. # XXXX XXXX  : XXXX XXXX for {$2700.00}. 
Account # XXXXXXXX XXXX XXXX XXXX Installment loan collection for {$2600.00}. 

XXXX XXXX XXXX collection for {$1200.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX  collection for {$1000.00}. Account # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  collection for {$1000.00}. 
account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX collection for {$1000.00}. 

XXXX XXXX : XXXX XXXX collection for {$340.00}. 

XXXX  : Fitness For 10 collection for {$230.00}. 

XXXX XXXX : Secured loan collection for {$150.00}. 

CREDIT COLLECTION SERVICE : XXXX  insurance collection for {$140.00}.

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
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These companies have incorrect information reporting on multiple of my accounts. There is also incomplete information on my consumer reports. These errors are effecting my finances due to my credit score lowering.

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 2023-05-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have always paid my XXXX XXXX from Commenity Bank bill in full since opening this account. Starting in XX/XX/XXXX, Commenity Bank XXXX card website and apps were down down on XX/XX/XXXX and XX/XX/XXXX each time I tried logging in to make my on time payment. Their website worked late in the day on XX/XX/XXXX after my payment was considered late. This resulted in them charging me interest on my account on starting on XX/XX/XXXX for {$4.00} and a {$30.00} late fee. For the XX/XX/XXXX bill, I paid my bill in full on XXXX, with exception of the interest charge and late fee, and they continued to charge me interest on the late fee and interest from the previous month because their website was down when I went to make my payment on time in XXXX. I have included a photo of one of the error messages I kept getting on XX/XX/XXXX. They were also occurring on XX/XX/XXXX, but I didn't think it would be an ongoing issue. 
They have now charged me late fees and interest each month since XXXX on what is JUST their unjust late fee. 
This apparently has not only happened to me, but has happened to other people as well. My current account balance is now {$110.00} which is all late fees and their bogus interest charges since they would not let me login to pay my bill on time in XXXX. 

I am asking that ALL interest and late charges be removed from my account immediately and all negative reporting to the credit bureaus be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21
Company: CARD Corporation
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
ALL of my accounts, third party as well as online banks Have had me on some type of hold for years. 
Im a full time XXXX, so Im constantly being paid in any number of ways, weather its XXXX, XXXX, XXXX, cash, and quite often a check. 
And in EVERY app I have, whenever I try to deposit, it just says : on hold for check processing And because of this I end up having to lose that money all together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
i purchased a Tablet from Best Buy and i returned it in 24 hrs because it was not working they send me email that they are not returning because of code issue i have no idea what is the code they talking about. i called and finally they found the error but they never credit me back my money or even send the item back to me. and every time i called i will be transferred to too many people and they promise me they will credit back my money for more than a year and half i didn't get my money back or the Tablet. its like a scam

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 2023-09-22
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/2023, the company XXXX XXXX XXXX came out and did a demonstration. I liked what they had to say so I said I would purchase the product. The agreement was laid out stating that if my credit was good, I could qualify for 0 % interest over 60 months, which I qualified for. The agreement states that all work will be done by said contractor and payment will be made to said contractor. I signed the agreement and was told that there was an opening for installation in three days. I agreed. The total bill came to {$5900.00}. I received an email from Wells Fargo saying congratulations on your new credit card. I called them immediately because I thought someone had fraudulently opened a card in my name. They told me it was done through XXXX and the line of credit was {$6600.00}. I told Wells Fargo that I did not authorize a line of credit and had them cancel the card, however it did not cancel the amount owed. I contacted XXXX XXXX and explained to them that I did not authorize a line of credit through Wells Fargo and they told me that I sighned the contract ( Agreement ) authorizing the charge. I explained that I would not have authorized a line of credit because my husband and I are trying to open our own business and a line of credit could have us denied the loan from the bank. They said because I signed the contract there was nothing I could do. I have contacted a lawyer for legal advice. There is no contract between myself and Wells Fargo. I did not authorize Wells Fargo to open a credit card or line of credit, and I did not authorize XXXX XXXXXXXX to open a credit card in my name. I never talked to Wells Fargo regarding this line of credit prior to it being opened. It was never disclosed to me that Wells Fargo would be opening a line of credit/credit card. Now I am stuck paying for a line of credit for {$5900.00}, and if I do not pay it, it will affect my credit score and any possibility of getting a loan to open our own business.

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 2023-06-13
Company: Global Lending Services LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had a total loss on my vechicle and my insurance paid the XXXX XXXX  value and I have gap which paid the difference ins paid {$21000.00}, gap paid {$780000.00} and waiting for extended warranty to pay {$420.00} they are still charging interest and they charge me late fees on a vechicle I no longer have and the total amount I paid was {$31000.00} that was left on the vechicle minus those fees from that amount. They say I still owe {$2100.00} I feel they shouldnt charge me anything else because the car is not worth that amount any more I in a hardship because of my total loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Genesis FS Card Services, Inc.
State: FL
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:
In XXXX of XXXX, I requested a new card from Destiny Mastercard and was told it would be sent to me. I had a XXXX balance at the time, and never received this replacement. My account stayed at a XXXX balance until this XXXX, now I am constantly being charged directly from my bank account from this bank and nobody will tell me why, or explain how I am charged this amount knowing they never fulfilled my request for a replacement card or made any charges for the entirety of the year. 

They are now harassing my work and home phone, randomly taking money from my account without any written reasoning, and asking for more money when remember, I have not had this card for over a year and they acknowledge I have not had this card nor have I made a single purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit 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:
Subject : XXXX XXXX Wells Fargo for Mishandling Dispute Funds I would like to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Wells Fargo 's mishandling of dispute funds. They have closed my dispute with the following details : Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : XXXX Amount of Transaction : {$76.00} Card Number : XXXX Status : Credit is Permanent Wells Fargo initially provided a temporary credit of {$65.00} to my account on XX/XX/2023, but they have failed to properly resolve the dispute and have now declared the credit as permanent. However, they did not reimburse this amount to either the customer ( myself ) or the merchant. 

I believe this is a clear case of mishandling and failure to properly resolve a dispute. I kindly request that the CFPB investigates this matter to ensure a fair and just resolution. 

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 
XXXX XXXX # XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing 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 non-monetary relief
Consumer complaint received 2021-12-21
Company: Maximus Education, LLC dba Aidvantage
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:
My credit reports shows my student loans being 60 days late which does not make sense because usually it goes from 30 days late to 60 to 90. Can this please be fixed. I am not able to have a good credit score do you this. Its on a few of my students Loans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been trying to open a checking account and every time and every time I have been unable to open a bank account and I really need to open a checking account. I haven't done anything wrong to warrant this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TD BANK US HOLDING COMPANY
State: CA
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:
I purchased a vehicle through XXXX car sales. The sales pushed me to get a loan while I was planning to pay cash. I had no idea I got into the loan with TD Auto Finance which is the biggest mistake I made in XXXX! 

Here is my miserable experience with TD Auto Finance I did not receive another loan statement/or documents till it was overdue. During this time, I continue to receive decline of loan application notices from TD auto Finance. 
I got a call from customer service stating my payment was overdue in XXXX. I told the customer service that I am going to pay off the balance and please don't report to the credit bureau. I spoke to multiple customer services and stated I am going to payoff the balance. Finally, I was informed to email to the check to a PO box in Maine. 

I mailed the check on XX/XX/XXXX and the payoff check was deposited by TD Auto Finance on XX/XX/XXXX. My credit score was impacted on XX/XX/XXXX because of the delinquent reported by TD Auto Finance. 

Early XXXX, I received a letter from TD Auto Finance saying XX/XX/XXXX is the LAST DATE for PAYMENT, we may exercise our rights under the law. 

I thought the check was deposited by TD Auto Finance and I ignored this letter. 

A week ago I was applying for a mortgage and found out my credit score dropped to XXXX from XXXX and I was told by the banker that TD Auto Finance reported delinquent. 

There was no emails, mails or phones to inform me about my credit score and about my payoff date ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Act, the following list of accounts have violated my federally protected consumer rights to Privacy and confidentiality under 15 U.S.C. 1681 : XXXX Account # XXXX ; has violated my rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX Account # XXXX XXXX, has violated my rights to Privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX Account # XXXX, has violated my rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. ( a ) ( 5 ) Section states no consumer reporting agency may make any 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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any other 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
Consumer complaint received 2023-05-29
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: MO
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:
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 U.S.C 1681. 

Account name- XXXX XXXX XXXX  DateXXXX, Account name : XXXX XXXX XXXX Date:XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Account name : XXXX  Dept of Social Services Date : XX/XX/XXXX XXXX Account name : State of XXXX/Office Child Support Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX & XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX & XXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX Date XXXX XX/XX/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 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 conviction 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 non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: AZ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: M&T BANK CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Manufactures & trade not properly reporting my monthly payments of {$250.00} per month Monthly payment. They are reporting aNO INFORMATION Payment history. From XXXX thru XXXX listening all payments last when fact they have received them all early Stating Ive only made 23 % on this is a total lie of my credit recording. They are blaming XXXX for not recording it correctly. I called XXXX and they told me they did not provide bother the payment binformation my conformation number XXXX gave me after I spoke to them is XXXX. They advised me to contact you and ask that they be removed from my credit report for false reporting of my payment to them ThankYou 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 explanation