BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

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 2019-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 wouldnt think it would be a problem however look at the dating and what I referred to prior as self dealing by experience on the XX/XX/XXXX it dropped 56 points into in on the XX/XX/XXXX to the XX/XX/XXXX it dropped 26 points So in the span of two days I drop from XXXX or XXXX to XXXX The {$3.00} oversite /mistake cost me 70+ points in two days The minimum payment was expected to be {$72.00}. Plus the added {$41.00} for interest charged in 2018 looks like XXXX dollars in fees put me over the limit wow this doesnt look right

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
a process server tried to serve me with a summons and i was not there iam out of state i tried to get her to tell me who this collector was and wouldnt tell me just to call the court house i did said had nothing i know the dept is in with XXXX XXXX XXXX and lawyers r supposed to be working on it but said they dont have the summons cant do anything same with XXXX XXXX XXXX dont know where else to turn tried everything and XXXX XXXX XXXX not helping either they wont give the summons to anyone but XXXX XXXX and hes gone and i have power of attorney i tried to tell them if i have the info i can get this settled!! but i guess wont so i just dont know we are not anywhere to accept it just wish they get ahold of XXXX XXXX XXXX  or the lawyers at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
recenttly i looked at my credit report and noticed several fraudently inquries .i feel these inquries are adversley affecting my credit report it is my understanding that you would investigate these items for me to ensure accurcy here are the items XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX on XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 2021-01-29
Company: Continental Finance Company, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent requests and information to a collection agency notifying them that I had never had or applied or had any knowledge of the credit card or its & XXXX debt. So far they have been intransigent and have never supplied any documentation to verify. It is hurting my credit score for something I did not have or apply for or use. I am evidently, a victim of someone using my name and social security number.

The collection Company is named XXXX XXXX XXXX and regards a credit card called " XXXX ''. I have gone through the respective credit reporting agencies and have no address for this collection company. I have disputed numerous times over the last several months, to no avail. I understand when a debt is owed but causing me such trouble and time for something I have not done is not warranted. Any assistance is appreciated. Thank you.

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 2018-02-08
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am making a complaint about this medical bill that should have been satisfied back XX/XX/XXXX,  I have reach out to the hospital to discuss this matter a number times over the pass couple years and most recently in XX/XX/XXXX and they are no longer able to provide me with any information.    I was informed that I will need to contact  Receivable Solutions Inc,  I have reach out this Receivable Solutions with no resolution due to they are not he original creditor for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I created a transaction using the pay anyone function in the app to send {$400.00}. My recipient stated that they did not receive the money. They contacted their financial institution and found out that Chime reversed it seemingly for no reason. Chime forced me to dispute the transaction stating that they felt the need to investigate. As of XX/XX/XXXX, they have denied my dispute despite neither me nor the recipient being in possession of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Newman, Mathis, Brady & Spedale
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter regarding a garnishment for XXXX XXXX XXXX (Newman, Mathis, Brady & Spedale) in the amount of $XXXX from my employer. This letter was also received on XX/XX/2019 and no form of prior validation was sent before this letting me know if I owed anything. Any past debts with XXXX XXXX XXXX has been settled. This was an illegal and unwarranted debt. This debt has been paid in full in the amount of $XXXX. This includes the original debt of $XXXX plus fees.   I have sent correspondence to Newman, Mathis, Brady & Spedale requesting an immediate halt of the garnishment as this is not legal and I have contacted my lawyer. When I contacted the law firm Newman, Mathis, Brady & Spedale, they then mentioned it only $XXXX. So with no initial letter stating I owe anything and then changing the amount, I think this is unwarranted debt and I do not owe anything since the case was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: NY
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 response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 I went to apply for an auto loan with a dealership known as XXXX XXXX XXXX having good credit, I allowed them to run my credit once, and they ran it four times, once through the dealership and three through various banks. So, my credit score dropped from a XXXX to a XXXX with TransUnion as a result. I did not content to them running it multiple times and am upset since I was under the impression it would just run once. Any recourse? 


XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX is the various banks that have placed hard inquiries on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On Saturday XX/XX/2019 I made an online payment to Synchrony Bank on their website. The minimum payment due was {$190.00}. On Monday XX/XX/2019 I discovered that Syncrony Bank charged my debit card {$2300.00}. I immediately called them to find out about the charge. They informed me that I would receive a refund minus the minimum payment in the mail in 3-4 weeks. On Tuesday XX/XX/2019 I called to follow up ensure the process was initiated. I was again told yes and in 3-4 weeks. I called Syncrony on  XX/XX/2019 to find out what date the check was mailed. After waiting for sometime on hold I was then told oh it was approved right now and will be mailed on XX/XX/2019. It should arrive in 7 days. On Monday possibly but for sure by the XXXX. This is unacceptable amount of time. I have other bills due, other banking issues due to overdrawn account. My credit union told me they will close my account if I do not return the amount of money Sychrony overdrew from my account by XX/XX/2019. 
Syncrony Bank XXXX XXXX XXXX. XXXX mysynchrony.com

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 2023-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited {$830.00} into my wells Fargo checking account debit card and the atm had a jam. Wells Fargo credited XXXX XXXX  into my account as a placeholder. They still have not given me back the remaining of my money. Called them two times and attempted to resolve the matter the first time they told me that I would have all of my funds back in 2 business days. The second time I called they told me to file a claim and I would hear back in XXXX business days. Wells Fargo will not give me access to my money.

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 2019-12-11
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
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: 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 Equifax and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$380.00} ; XXXX XXXX Balance : {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is blocking my credit report, I tried to do business with XXXX, XXXX, XXXX and they report that they can receive any information from Equifax, also my credit monitoring agency, privacy asset ca n't retrieve information from Equifax since twoyears ago. I called, wrote and try to solve the problem and always tell me that there is no problem, and unhelpful answers like I have no lock or freeze or sending me credit report when I just ask them, with all the documentation to give me a solution to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My sister XXXX XXXX XXXX, who has Power of Attorney for my Dad XXXX XXXX, tried to close out his checking account at TD Bank on or about XX/XX/2018. Despite submitting all the legal documents that were prepared by a practicing attorney specializing in elder law, TD Bank insisted that my father come in to close out the account. Since my father had been recently diagnosed with a fatal combination of XXXX XXXX and XXXX XXXX XXXX and was confined to a hospital bed, this was impossible. For the next 5 weeks, TD Bank kept making excuses and finding fault with the documentation that was prepared by a lawyer. My sister showed the exact same documentation to XXXX XXXX and they helped close out my father 's account at XXXX XXXX in 30 minutes. Finally, on XX/XX/XXXX, TD Bank agreed to close out my father 's account. My Father XXXX on XX/XX/2018. TD Bank treated my sister XXXX XXXX XXXX horribly. They kept her away from her XXXX father and added stress to an already stressful situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a premier checking account with HSBC US on XX/XX/XXXX. Hsbc had a welcome bonus  offer on their  website of $XXXX  if you open the checking account and receive a direct deposit of $XXXX   monthly   within the first 90 day of opening the account. the terms stated that the deposit will be deposited to my account within 8 weeks after meeting the requirements. I met the requirements in XX/XX/XXXX, so i should've received the welcome bonus in XX/XX/XXXX. I called HsBC 2 times and i also send them a message. The message i sent I received no response for. The calls both reps i spoke with they tell me will do an investigation and will call you back. I asked for a case number, but that was not provided and they told me we don't have a case number. Both reps never call me back. the welcome offer i signed up for is simeler to this one: https://www.us.hsbc.com/checking-accounts/campaigns/offers/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
U.S. Bank has been charging me XXXX XXXX interest on a cash advance for {$160.00}, but for some unknown reason, the money was removed from the cash advance category and added to my account balance, which is thousands of dollars. I contacted U.S. Bank on XX/XX/2022 and spoke with customer service and requested to pay off the cash advance to eliminate the XXXX XXXX  interest charges, but was told that I couldn't do that unless I paid the entire balance in full. I informed her that I could not afford to pay the entire balance at XXXX time and that trying to do so would cause me serious financial distress! She was indifferent to my situation and continue to repeat their policy. At this time I told her that this was very unfair and I would be filing a complaint. In addition to being prevented to pay off my cash advance, U.S. Bank has also been charging me added interest on my card that was not listed on my billing statement under, " Interest Charged ''. After paying the interest on my monthly billing statement each month, several days later U.S. Bank has been notifying me, via email that I am being charged for a " Purchase '', but the reality is that it's more interest payments! On my latest due date billing for XX/XX/2022, it stated that my interest charge was {$310.00}. But after paying the added interest of {$280.00}, I actually paid {$590.00} interest! And when you factor in my XX/XX/2022 automatic payment of {$690.00}, my total payment for XX/XX/2022 was {$1200.00}! U.S. Bank taking money from my cash advance category and placing it into my account balance category thereby making it impossible for me to pay, and charging me added interest that was not included for payment on my monthly statement is highly irregular and should be cause for an investigation.

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 2021-06-16
Company: McCarthy, Burgess & Wolff, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am currently having difficulties with XXXX my previous internet provider. I switched over to XXXX for internet on XX/XX/XXXX and called XXXX the XXXX to cancel the service after paying what I owed. I was told by a representative that I have nothing to worry about and that everything was taken care of. Fast forward today my account is now in collections with a balance of {$130.00} and no one can explain to me why. When I contact XXXX I get a run-around and I am told all is well, when in fact I am now getting collection notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file an FTC and CFPBB ASAP!

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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 contacted the company twice and four other times through the credit bureaus. The account is not minds and I didnt sign for the account. Each time I just get sent a bill not information proving the account is minds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone in Arizona is using my social security number to open bank accounts. Sorry if this is not the correct place to report, the FTC website is very confusing and sends me here. I work in XXXX so I'm not computer illiterate, the website just needs a big button labeled " Report Identity Theft ''. Thanks!

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