BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-31
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
THIS XXXX  BILL WAS XXXX AND WAS ADDED TO MY CREDIT REPORT WITH A XXXX DATE!!! THIS IS NOT TRUE AND ID FRAUD. 
This letter is response to your correspondence concerning the above referenced account. I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. I am also disputing the validity of the debt therefore you are prohibited from reporting this on my credit report. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired and will take private right of action. I will attempt to recover actual damages, statutory damages, and attorneys fees and costs. Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Do not contact me any further. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act and California Senate Bill 233.

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 2023-02-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Money was deposited into my account within minutes but I still got charged with overdraft fees. I identified XXXX instances in which this happened while going through my statements.

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 2019-04-05
Company: Experian Information Solutions Inc.
State: CA
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:
I recently conducted a review of my credit report, and I noticed that your agency showed four ( 4 ) credit inquiries that I find problematic. 
XXXX made the first inquiry in question on XX/XX/2019, and I have no recollection of doing any business with XXXX. 

I contacted XXXX and asked them to act to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would follow my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, to make sure this gets done. 

The second inquiry in question was made by XXXX  XXXX XXXX XXXX, on XX/XX/2019, and I have no recollection of doing any business with XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX made the third inquiry in question on XX/XX/2019, and I have no recollection of doing any business with XXXX XXXX XXXX. 

XXXX made the fourth inquiry in question on XX/XX/2019, and I have no recollection of doing any business with 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 2023-02-03
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 have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have still found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please have this account corrected, updated, and repaired ASAP : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have issues with XXXX 's credit card. XXXX offers XXXX Rewards for purchases. It gives start XXXX 's money {$10.00} for XXXX points. The rewards expires 30 days after it is issued. I have been forced to make a purchase if I want to take advantage of the rewards. However, it never provides details on how my star rewards were accumulated and how my returned purchase impacted the star rewards. 

XXXX now charges money for using star rewards after I returned a purchase. I was charged {$1.00}, {$1.00}, {$5.00}, {$5.00}, {$.00}, {$.00} {$.00} on my credit card statement without any details. 

I have never been provided with history of star money earning, nor reduction due to returned products. I am being charged money without knowing what the charges are. It is a fraud and cheating of consumer.

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 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The accounts listed on my credit aren't mine! Please remove them.

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 2022-10-13
Company: EQUIFAX, INC.
State: LA
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 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 2019-04-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I first received a written notice from XXXX XXXX XXXX in XX/XX/2019, so I immediately contacted them and asked them about this account. They confirmed they were sending notices to an incorrect old address in a different city and I advised them of my New Address. On the phone they collector was extremely irritated and rude, and kept making reference to " legal action '' and being " sent to an attorney '' - I felt like they were jumping the gun here as I had never been given a proper notice allowing me to dispute this debt or resolve it prescribed by the FDCPA. I then receive a pre legal notice making more legal threats against me, so I called them again on XX/XX/2019 to attempt to resolve this. Again I was met with legal threats every other sentence. I felt like they were trying to intimidate me to the point of paying significantly more than what I truly owe on this account. They also kept stating that they have not added on any " fees '' after, but this is an extremely misleading statement. They are not even allowed to add on any more fees since the account has been charged off, so no interest or late fees are supposed to accumulate anyways. They are deceitful and misleading. I attempted to settle with them for a reasonable amount of {$2000.00}, and even raised my offer to {$2500.00} but was met with more legal threats and I frankly had to terminate the call before I began to say thing I might regret, that's how condescending this person was.

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 2019-10-31
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My vehicle, financed by Santander Consumer USA was totaled on XX/XX/XXXX after I was hit by a car that failed to stop at a stop sign. I contacted Santander soon after this to let them know that full payment would be issued by XXXX XXXX XXXX. They said they would " note '' my account. It has taken a long time to get a settlement agreed upon, but finally XXXX XXXX issued a check on XX/XX/XXXX which would cover more than the payoff balance on my account. 
Of course every day the payoff balance goes up more than {$5.00} based on what I have seen as my monthly interest charges. As of XX/XX/XXXX this payment still has not posted to my account. Santander is giving me the run around saying the payments go to their post office box and it can take 6 to 10 days for them to post ... .what kind of tactic is this? This is XXXX. I have a copy of the check dated XX/XX/XXXX, courtesy of XXXX XXXX. I have sent in a written complaint to Santander through my account portal and no reply. NO REPLY. 
I believe they are sitting on this payment to bleed more interest out of me. As if I have not suffered enough. I can not get another car loan because of the balance with Santander. I am a XXXX XXXX   with little resource to pursue legal action. I am walking to and from work in the cold because of this negligent driver and now can't even move on to getting a new car because Santander wants to take more money from me.I expect a fair outcome. I want my payoff balance as of XX/XX/XXXX and want the rest of the funds sent to me immediately. They are is crooked as a company can get. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, I contacted Hunter Warfield regarding alleged debt of {$380.00}. I wanted to take care of the alleged debt because item was affecting my credit score because its hurting my chances to buy my XXXX XXXX. I paid the alleged debt in full and have receipt to prove it which will be attached to this complaint. The customer service rep stated that once I paid alleged debt in full that they were going to fully remove negative information off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have started back in  2013 to ta ke online courses with  XXXX  university and I was doing fine in the beginning but after a while it was not easy so I called and said I could not do the classes so I left and now they want me to pay  XXXX  in student loan. I do n't have a job because I was let go and now I am unemployed and I do n't have money to pay back. I tried to get student loan forgiveness they said I could if a I paid the  XXXX  for 2 months and the rest would be forgiven. I told I do n't have money to pay for 2 months. I only get a  XXXX  a week and  XXXX  in food stamps. Now my account for unemployment is on hold so I am not getting anything at the moment!! Can you help me find a solution to my problem. I feel I should not have to pay since I did'nt receive a credit for any course and it was not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: GA
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 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 2021-11-02
Company: PENTAGON FEDERAL CREDIT UNION
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my account has been diligently neglected by 3 bureaus. Despite sending them the letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, the 3 bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2021-11-02
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a XXXX card thru Barclays because they had a XXXX mile promotion. I applied in XX/XX/XXXX should have had points in XX/XX/XXXX. I been calling them and the last customer service representative said I am probably not getting the XXXX points there is nothing on my account. 
They are ripping me off I am a XXXX Veteran and do like to be taken advantage off. 
The criteria was if you spend XXXX dollars in 90 days you will receive the promotion. I spent over XXXX in first month. 
I have called XXXX and put in for a investigation. I had to pay for my tickets with cash because they have ripped me off.

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 2017-12-12
Company: Real Time Group, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Real Time resolution has been fleecing my mortgage payment. I have over payed them by least $ {$600.00}. My 2nd mortgage payment should have been completed with XX/XX/XXXX pmt of {$240.00} this was made over the phone on XX/XX/XXXX. I show them pmt coming through my bank acct on XX/XX/XXXX. They have padded my account with multiple legal charges of which I have nothing do with. They should have sent me a letter showing that I have completely paid but instead I just received a letter showing that am 30 days past due. This is totally unacceptable and this company has very deceptive and fraudulent business model. Am asking your agency to intervene on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: USCB, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My compliant is against USCB XXXX  for reporting incorrect information on my reports. They keep reporting some accounts that are not accurate. Let this serve as a formal request for investigation for some incorrectly reported and invalid items which do not belong to me, were found on my credit report. I want my financial freedom back and it is my right to have your assistance. I've done the hard work, checking accounts against records and have made notes specific to each account, your job is simply to fix it. Im attaching a copy of a sc-100 as a last resource for this company to remove all accounts from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I received a loan from credit acceptance and they repossessed the XXXX XXXX XXXX XXXX then they sold it and charged us for the loan, After they set me and my wife up for failure, this was a con by Credit acceptance.

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 2023-08-31
Company: EQUIFAX, INC.
State: TX
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 do not understand why this is so difficult. I provided my driver license and a copy of my passport with my other complaints to CFPB. 
Now I look at my transunion report and they have the wrong date of birth. They have XX/XX/1971. As shown on the submitted documents it is XX/XX/1971. It was always correct before but now all of a sudden it has changed. Do I need to get a attorney to handle this? This is crazy! This is taking hours, days, weeks even months of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.We 've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX, XXXX, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX ******** XXXX Date Opened : XX/XX/XXXX Balance : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Venmo does not disclose that payment for goods or services with a credit card is a " cash transfer '' rather than a " credit card purchase ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Blue Global Media, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan online middle ofXX/XX/XXXX I was contacted by XXXX and I was approved they sent me {$200.00} they wanted me to get a gift card and give them the info back I did then they told me their computers went down I needed we did it the next day sign a check for {$970.00} did the same thing then they pulled the checks now I get texts from them

Company response to consumer: Untimely response
Consumer complaint received 2021-10-05
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
This is the third complaint I have filed with this company and they refuse to give me the stimulus money that was awarded to me and my family. I have done what I needed to do and updated my address with the post office. When I called the post office to confirm they stated that they have my address change form and it was processed. They also mentioned that certain mail needs to have permission from the sender in order for it to be forwarded. Has moneymart done that? What they are doing is unfair, the money was clearly given to me because I am someone who is in the low income bracket and for this money to not be given to me is causing financial difficulties. The last response they gave me was that I would have my EIP card by XX/XX/XXXX and that never happened. If this does not get resolved I will take legal action. They should not be given a huge responsibility if they can not serve the public in a proper manner. 

Also the number provided last time does not give the option to speak with an agent. In order to do so you are required to enter the card number who check I do not have.

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