BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to draw your attention to the account that is erroneously listed as a late payment account. After reviewing my report, I found discrepancies in the accounts listed below. I contacted the creditor to obtain validation of the debt, but they didn't provide any supporting documentation. I request that you provide concrete evidence of the late payment status, and if such evidence is not available, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. 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 explanation
Consumer complaint received 2024-01-21
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I WAS SERVED WITH PAPERWORK THAT IS HAVING ME TO COME TO COURT THREATENING A JUDGEMENT FOR THE FUNDS THEY SAY IS OWED. I THEN RESPONDED TO THE PAPERWORK WITH THE COURTS AND ASKED FOR ADDITIONAL INFORMATION THAT SHOWS THAT I AM RESPONSIBLE FOR THE DEBT ANY SIGNATURES ITEMIZED BILLING ANYTHING THAT WOULD STATE THAT I WAS INDEED RESPONSIBLE FOR THIS DEBT. I ADVISED THE COURTS THAT I HAD FILED FOR IDENTITY THEFT BACK IN XXXX AND THAT THIS MAY BE A RESULT OF THAT FORMER COMPLAILNT

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 2024-01-28
Company: M&T BANK CORPORATION
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
The mortgage company was late paying both installments of my property taxes through my escrow account. They ended up paying the original balance but did not pay the late fees that came about from paying both installments almost two months late. They paid {$3700.00} on XX/XX/2023 when the payment was due by XX/XX/2023. Because of this late payment, a late fee was due by XX/XX/2023 that I got in the mail on XX/XX/2023. I contacted M & T and told them I felt more comfortable paying the fees and getting reimbursed because if they were not paid within the week then my property taxes would be sent to auction. I spoke with a representative and was told on the phone that I would get reimbursed once I paid the late fees and submitted the required receipt. I paid the tax fees to the county directly and submitted my receipt to get reimbursed. After submitting all paperwork, I received a letter saying the penalty was not charged to me, therefore there was no overpayment and I would not be refunded. I contacted them on separate occasions and asked to speak to a manager to clear this up and was told a manager would call back within 24-48 hours, however a manager never returned the calls, and I have been unable to speak to a representative to help with this matter.

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 2024-01-23
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
US Bank charged my account an overdraft fee when I had a positive account. I had money in my account on XX/XX/XXXXXX/XX/year>, and US Bank charged me an Overdraft fee that made my account negative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: 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: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Discover Financial and Personal Loan Services calls my phone, my family, my friends, and my XXXX mother 's phone every day. Discover Financial calls everyday and several times in a day asking for my whereabouts and harassing my associates which include co-workers, family, and friends. We have received over 7 -10 calls in a day. As soon as we open our phones and browse the Internet or make a call, a Discover Financial representative will try to interrupt our call or leave a voice message. 

Discover Financial and Personal Loan Services calls at odd hours and on holidays. They call pretending to be colleagues. For example, they may open their conversation or call with statements such as, " XXXX! XXXX! XXXX! '' I have asked them to not contact me ; however, they still flood my E-mail with letters and call me frantically everyday. I am scared to answer the phone at work and my job requires me to answer phone calls constantly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX 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

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 2024-01-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed a claim in the amount of XXXX on XX/XX/2023 from a hotel double charge and they provided the credit. Fast forward to towards end of XXXX they randomly reversed the credit with no call, email, or nothing as to why they did. Wells Fargo also Reversed a credit of XXXX from a claim I filed due to my phone being stolen and transactions occurring on my account through XXXX XXXX. I called to understand why after all this time and after they stated theyd credit the amount and the claim would be closed cause it was in my favor. I ended up calling XXXX support as well because I wanted to know what evidence was sent to have them reverse the credit and they couldnt even give me any evidence or solid reason as to why. They told me the passcode is required to have access to send money or Face ID, which I didnt have Face ID on the XXXX and people are capable of hacking and scamming peoples information. Its becoming easier for people who commit fraud to access your information these days. If a customer goes through a situation where information has been stolen from them along with items and they depend on their bank to help them with money thats gone missing from their account and to make right cause they promised to help, then turned around to leave you in a predicament to have your account negative its dishonest. I chose to give banking with Wells cargo another chance thinking that circumstances changed but its still the same as it was before.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX - XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-04-04
Company: Experian Information Solutions 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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2024-01-03
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, at XXXX ; XXXX, I entered the Citibank branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX to use the ATM. I withdrew $ XXXXfrom my checking account., Upon completing the transaction, a man wearing a mask and sunglasses tapped my arm, and pointed to a XXXX $ bill on the floor directly below the ATM I had used. I thought perhaps I dropped the bill, and immediately took my wallet from my backpack to see if I had the XXXX dollars, which I did.I returned my wallet to my bag. I told the man the money was not mine. He then picked up the bill and began waving it in my face. I repeated several times the money was not mine, and left the bank. 

I went across the street to meet a friend in a restaurant. While waiting for her, I decided to check my checking account balance on my mobile app. I saw two withdrawals were made after I withdrew the {$60.00}, from my checking account_____a teller withdrawal for {$4800.00}, and an ATM withdrawal for {$1500.00}. ( I later realized an additional {$1000.00}. was taken from my savings account. When I returned my phone to my backpack, I realized my wallet with my debit/credit card, other credit cards, driver 's license and Social Security card was missing also. 

I immediately returned to Citibank, and reported the incident to XXXX XXXX XXXX, a Personal Banker at the site. He called the Citibank Fraud Protection Unit, closed my accounts and opened new ones. While he was doing that, I called other credit card companies to stop anymore transactions from occurring, and called the police. Although the police never arrived, a completed an online report later that day. 

The reason I'm reaching out for help is that, to date, Citibank has only reimbursed

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 2024-01-02
Company: GENERAL BUSINESS RECOVERIES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A collection was placed on my credit accounts on XX/XX/2023 stating I owe {$770.00} to GENERAL BUS RECOVERIES INC due to not paying a bill to XXXX XXXX XXXX XXXX 

I am experiencing identity theft as I have never been to XXXX XXXX XXXX. This is not my medical bill. 



XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: Possible Financial Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I made a payment to XXXX who collects for Possible Financial in the amount of {$260.00}. It was a settlement payment. I received a paid in full letter but the account still show on my credit report as unpaid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX store credit card through Synchrony bank - When making payments quickly ( i.e. within days of the charge posting on the card ) Synchrony will " hold '' payments for " security '' when in reality I believe they are penalizing consumers for not running a balance on the card. I couldn't get it in writing how long payments would be held, but some have been up to a few weeks with no warning.

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 2023-12-17
Company: EQUIFAX, INC.
State: GA
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 notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. 

The following false accounts have been deleted by XXXX after an investigation, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX I have attached highlighted removed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Selene Finance states I have an escrow shortage of {$28000.00}. I called twice to ask for proof. On XX/XX/23 XX/XX/23 To speak to a manager/supervisor and was told that the customer service person could help. That person could not help. 
I have my financial advisor to help and he couldnt get proof or speak to the correct person either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: U.S. BANCORP
State: NJ
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:
Cardmember Service Elan Financial Services XXXX XXXX XXXX XXXX, NJ XXXX Dear sir, I have received a letter written on XX/XX/XXXX of XXXX along with a form to fill in. I would like to answer the questions, which your company asked. My name is XXXX XXXX addressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. The cell phone number is XXXX. I believe what you tried to indicate consumer report should be credit report of XXXX ; therefore, I copy the pages with my name and your company name from entire credit report, since I believe it is safe not to give all pages in my case, when I have the fraud alert. You asked me why I would like to remove your company inquire from the list of my credit report. I am not sure why you indicate I want you to remove your company name from the soft inquires, since it just meant for the promotional purpose ; however, since I have never be interested in to acquire any more credit card now and in the past, I just prefer you would remove from all credit card reports, which I mean XXXX, XXXX, XXXX, and XXXX, if they have your company name in the list of soft inquires. I can state so because I never applied to the credit of Valley XXXXXXXX XXXX I used to have a business account in the name of the XXXX XXXX ; however, due to the influence of the Pandemic, I have decided to stop using the business account, even though I still own this small business as a sole proprietor and changed the business bank account into my personal name account. Still, I do not have any credit cards related with Valley XXXXXXXX XXXX. If you still have the question, please contact me again. Again, I clearly states I never own the credit cards from your company and any companies related to Valley 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
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX  XXXX XXXX XXXX : {$790.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation