BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I typing this right now in disbelief how XXXX, Transunion, and XXXX treating their consumers. I was using credit for some years now because I didn't want debt. Me learning understanding that American is built off credit, I wanted to start a business to get funding but found out I'm a victim of identity thief. 


I Mailed letters, file a FTC report and many CFPB reports stated what I need changed/Removed from my credit report. All late payments is wrong on my credit report and I want changed ( to paid as agreed ). Collections Accounts should not be on my credit report. I'm demanding a proof of verification that the info in my report is vaild. 

FTC REPORT NUMBER- XXXX if not vailed, I want it changed/removed to what the letters states for the dispute.

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 2023-10-12
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I paid my account in full on XXXX. Since then, I have been charged interest and late fees on this account even though the card is closed and I do not have an outstanding balance. 
I have reached out to Comenity several times for an explanation, but the only semblance of one that I was able to obtain from a manager was that possibly an interest charge was calculated prior to my final payment and just not added to my account. 
This bill is now up to {$350.00} and they are offering no resolution. 

XX/XX/2023 Interest Charge On Purchases {$7.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$6.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$5.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$4.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$3.00} XX/XX/2023 LATE FEE {$37.00} XX/XX/2023 Interest Charge On Purchases {$2.00} XX/XX/2023 LATE FEE {$30.00} XX/XX/2023 PAYMENT - THANK YOU - {$4500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
i applied for an increase to my XXXX XXXX XXXX  and was denied so i paid XXXX dollars on my card so i could use it this weekend for my birthday XX/XX/XXXX only to be told after calling XXXX  number at XXXXXXXX XXXX time that there is a ten day hold and my only option is to apply for a credit line increase. No where is this indicated online. if i had not called i would have not known. i am traveling with no funds!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to XXXX hospital around XX/XX/XXXX. After receiving treatment and leaving the hospital. I provided the hospital with my medical insurance information. After about a full year later I received a letter attempting to collect a debt from said emergency room visit. Attached to the letter was a voucher where you input your insurance information and send it to the hospital for manual processing. I completed the form and submitted it to the hospital ( on TWO separate occasions via USPS business reply mail ) About 12 months ago was the last time I sent a written business reply including my health insurance policy for the billing dept to bill my health insurance so they have had AMPLE time to process the request. Their department is now criminally negligent. 

I called the XXXX XXXX XXXX ( in two separate quarters of XXXX, Q2 & Q3 ) and provided them VERBALLY in addition to, in writing, my insurance information, TWICE, over the phone with a customer service representative who stated that I was on a recorded line and she was representing the credit department at XXXX XXXX XXXX. I was verbally informed, TWICE, that the insurance company would be billed for the visit to the Emergency room. 

After contacting my insurance company to identify if there was a clerical error in paying out to the hospital I was informed that the hospital NEVER FILED AN INSURANCE CLAIM with my carrier XXXX insurance. Nor did I authorize a company name XXXX XXXX XXXX to operate on my physical person. I authorized XXXX XXXX to provide me with emergency care after an incident and they have clearly failed me as they must be failing other patients in a similar fashion. 

After they attempted last month to file this collection account I filed a separate CFPB complaint with the original creditor that they attempted to fool into pursuing this debt. The previous debt collector immediately dropped the case. I also filed complaints at the state level, and I filed consumer complaints on XXXX and social media. The hospital has not reached out to me with a comment or to resolve the issue. I retain audio recordings of my conversations with customer service reps where I provided them my insurance information for the final time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX was contacyed regarding this account over the past XXXX years indicating this is resulting from identity theft due to XXXX breach. Ive disputed this account more than XXXX times and nothing has come from it. When XXXX federal realized it was in fact fraud, they then sold the debt to a XXXX party named LVNV funding/resurgent. Now this nightmare has started again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX or XXXX I took out a XXXX XXXX loan with Wells Fargo for a used XXXX XXXX XXXX A few years later, the vehicle was involved in an accident and totaled. Insurance paid off the remainder of the loan and sold off the truck at auction. Years later, ( XXXX or so ) I received a letter from Wells Fargo that I had overpaid the loan while it was active. I thought it was unusual and surprising. Though, I gladly accepted the check and, have always wondered about that account back thenbecause, there were MANY issues and MANY phone calls made regarding fees and the payments going towards the principal balance appropriately. Now, XXXX I see this massive lawsuit/settlement around the SAME time as my loan was once active. I believe I could be owed more- and perhaps they never wanted me to pursue the issue. I would like to see if I am entitled to any damages stemming from the lawsuit.

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 2021-02-16
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX. I have previously submitted 2 complaints against Wells Fargo Bank. Wells Fargo is STILL opening fragulant accounts in my name. Wells Fargo is still refusing to give me my money or close my accounts. Wells Fargo will not reimburse me for my money they let other people steal out of my accounts Wells Fargo is still refusing to acknowledge any wrong doing and still is telling all agencies I have contacted that I stole my own money. Wells Fargo told me they would take back their statements and report the truth they still have not.

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 2023-08-29
Company: Kriya Capital, LLC
State: MS
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:
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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried opening an account after closing an account due to it being over drafted over XXXX dollars. And was denied

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 2021-02-16
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. PUBLIC RECORDS : BANKRUPTCY CHAPTER XXXX DISCHARGE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed information multiple times with the XXXX major reporting agencies asking for specific information about my dispute and I have not gotten resolution. They keep sending me a general message saying information has been verified but will not include details of the verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Comerica
State: KS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Direct express has locked my card for no reason and they won't unlock my card they are keeping my SSI benefits I need to pay my bills. They won't tell me why they locked my card. They asked me to email them my kansas i.d I did that now they are asking me to send a picture of my social security card and my birth certificate. This is ridiculous. I want my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: National Credit Adjusters, LLC
State: AA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
National credit adjuster bought the loan. They didnt check the status of the loan and listed it on my credit report as a collections which forced my credit score to go down causing me unnecessary stress and anxiety trying to fix the issue. This debt was discharged in a BK XXXX 2 years ago. XXXX  still has t adjusted my credit score .. no company should be allowed to place anything negative on your credit file before verifying all details and facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Global Lending Services LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
So I bought this XXXX XXXX XXXX From XXXX XXXX on XXXX XX/XX/XXXX First of all the car was highly overpriced for what the value of the loan is. I pull up the XXXX XXXX book value of the car is XXXX dollars they sold to me for almost XXXX and with so many problems like the engine is messed up and door behind the driver is broken.. Engine and light in front is broken I havent had this car for even three months yet and it has so much problems. To make matter worse I got sick and had to spent time in the XXXX Im behind on payment and company refuse to lower my payment to what the car actually worth or give me a deferral for 90  days This car is lemon and if I can get this resolved through this XXXX  Im planning on taking the legal advice that was given to me to pursue both company. Also this company call me XXXX to XXXX times a day during my resting part.. They harassed me everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2023, XXXX XXXX, a website hosting company, posted charge on my Sears credit card using credit card information stored previously without my consent. I tried to contact the merchant but got no response. The credit card issuer declined to investigate the improper use of my credit card 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 2023-01-20
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Interest rate starting at 3.99 when account opened. Then increasing without my knowledge to 29.99 %. Very alarming amount. I would like to close this account and remove the high interest rate.

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 2021-02-16
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My issue goes back to XXXX of XXXX I had over draft protection on my account. I went over that amount. When looking for a house and running my credit, I found out that I owed that to PNC bank. I immediately called and paid off the debt. 6-8 month later, it was still on my credit. I filed a complaint with you since the bank itself is useless and has a dead address via a XXXX XXXX XXXX They responded pretty fast. Turns out that the customer service person that I talked to never processed my payment. The VP of one of the departments called and informed me if the issue. She took my payment right then and there. I received a letter stating that my account was paid in full as of XXXX of XXXX and that the matter would be put to rest. I have that letter. I recently ran my credit and that " ding '' is still on my credit. It's saying that it was charged off. How can it be charged off when I paid it off and i have proof on PNC letter head that it was paid off?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Titan Receivables, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2020 Titan Receivables reported on my credit report and never sent me a debt collection letter. Than verified the debt to XXXX after I sent them a debt validation letter XX/XX/2020. They still have not sent me any documents proving how I owe them when I never had a account with them. There are still calling me after I sent a cease of phone communication with my debt validation letter. If they're collecting this alleged account/ money for another company. It is my right to know what there business relationship is and am entitled to all documents requested from titan proving that and the amount of the alleged original debt and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX is NOT MY ACCOUNT, CARD! I have disputed I do not know who this company is, no do I know what a flex spending account is, in XXXX  the only debt I had was XXXX XXXX loans so this isnt mine! Ive recently disputed and instead of deleting this wrong information the update the account ruining my credit even more and marking it a CHARGE OFF DEBT! If this isnt immediately resolved I am reporting to the identy theft website, report to the XXXX, and file suit! 


And looking at the information you are inaccurately reporting anyway, multiple violations pertaining to how this is reporting besides the fact I have no knowledge of this account According to 15 USC 1681eb A Furnisher is required to report maximum accuracy on the consumer 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 explanation
Consumer complaint received 2023-05-04
Company: CURO Intermediate Holdings
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
First Heritage Credit sent a personal loan check to the property I own in South Carolina, and someone cashed the check in XX/XX/2022. I was unaware of this transaction until it hit my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchase made online via XXXX on or about XX/XX/XXXX, in the amount of {$39.00} and I never received the product. On my bill it shows the charge was made in XXXX by XXXX, however the ad indicated the company was in California. In or about XX/XX/XXXX, I filed a dispute with Syncrony Bank ( Verizon Visa ), the charge was taken off, a new card was unilaterally issued by the bank as a result of fraud. Surprisingly, on or about XX/XX/XXXX, the company charged my account for the {$39.00} that they already verified to be fraudulent. I made three inquires ( 2 via telephone & 1 via online message ), and all these " fast speaking and XXXX  '' agents keep saying is that " I accepted responsibility for the charge. '' I asked them to provide me with the proof they have of this and they are unwilling to do so. The next excuse the agent gave me was the I " filed the dispute incorrectly '' ... some nonsense about a billing dispute and fraud dispute. Not matter what, I filed a dispute to a charge that was a scam and fraudulant. I have no idea what this company is doing and all I've received from them since XXXX, is sneaky business practices. Their investigators didn't investigate this matter since all they had to do is XXXX the name of the company and the results show as " SCAM ''. See attachments. Synchrony Bank is allowing this scam to continue and they are placing the consumers at risk with not doing their complete job! Suffice it say, I bought something online and never received the product, nor did I " accept responsibility '' of the charge as the agents both claim, but they won't provide me with proof of my acceptance. By using my Visa, I have protection ( or they claim I do ), for such circumstances.

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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