BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-06
Company: SYNCHRONY FINANCIAL
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
We financed flooring at XXXX XXXX with a 24-mo. Interest free promotional period. Financing was through : SYNCHRONY BANK XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX When we reached the end of the interest free period we were told our monthly payments were late every month - even though we were never told until the end of the promotional interest free period. We made payments via auto-draft of {$170.00} every month to completely payoff our balance only to find a {$40.00} draft was assessed each and every month on our account plus now 29.99 % interest going back to day 1 - even though we more than paid the balance in the time frame.

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 2018-02-12
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/XXXXI sent a certified letter to XXXX asking XXXX to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to XXXX XXXX XXXX acquired the mortgage from XXXX XXXX. 

On XX/XX/, I submitted a claim with cfpd due to the delay in responding to my XX/XX/ inquiring. XXXX acknowledged receipt of the XX/XX/XXXXletter, but could not verify the account or information. XXXX 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the misreported information to XXXX. 

XXXX acquired loans from XXXX and is listed on my credit report ( Attached ). I can't not accept shifting blame to XXXX. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to XXXX 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My unemployment card was being used by someone else for over a year and a half. Ive never received a card. I was trying to get into my account with XXXX  XXXX for over the last year and a half due to someone else stole my identity. I finally got into my account and was told to contact the card that the payments came through and I contacted them told them the situation and they disputed the cards that the person who stole from me had used. They denied my claim automatically without even doing an investigation that was promised when I first called. Im devastated as Ive been basically lied to and now I am out of XXXX! That Ive been waiting over a year for. I havent received not XXXX payment! The bank can see that the addresses that were on file are not mine and nothing is being done. They wont even disclose the addresses to me to give the police. I literally have been robbed and the bank does not care. US bank is not following their policy or anything. The charges arent even made where I reside.

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 2018-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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/XXXX an unauthorized person made a total of 4 withdraws and took the sum of XXXX dollars from our account with Bank of America. We contacted Bank of America and submitted a claim that this withdraw was unauthorized and that our account had been compromised. After notifying Bank of America of the incident they denied our claim filed on or around XX/XX/2018 and closed the claim on XX/XX/18. We then Submitted a rebuttal to Bank of America on XX/XX/2018 stating our objections and questions as to why they denied our claim and requested that they provide us with evidence to show their cause for the decision they made and to refund our account with the monies we lost.

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 2023-10-16
Company: EQUIFAX, INC.
State: LA
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:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05
Company: EQUIFAX, INC.
State: WA
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 sent Equifax written instructions according to 15 USC 1681b ( 2 ) on what I wanted to be reported on my consumer report. Equifax is just inputting my request into a computer system which is disputing certain accounts I didn't ask for them to dispute. I did not ask for a dispute on certain accounts. I wrote a letter specifically stating what I wanted to be reported according to 15 USC 1681b ( 2 ). I have attached my written instruction to this complaint. I sent this via certified mail. I need Equifax to carefully read my written instruction and grant me my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Bridgecrest Acceptance Corporation
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Bridgecrest Acceptance Corporation continues to harass me over an alleged debt, even threatening to repossess mg vehicle. I sent a debt validation letter to this debt collector on XX/XX/XXXX and the company has not provided all the information they were required to provide in order to continue to collect on this alleged debt. It is against the FDCPA for a debt collector to attempt to collect on a debt if they do not validate the debt within 30 days, it has been over a year and this company continues to harass me and cause stress in my life, and relationship. It is also a violation of the FDCPA to repossess a federally protected consumers property. On XX/XX/XXXX XXXX XXXX from Bridgecrest Customer Relations department admitted to committing fraud by stating they in-fact did send me a notice to repossess my property. That letter also states its an attempt to collect a debt, which violates the cease and desist notice sent to them on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, my insurance agent received quotes of insurance on a new property I was buying. 

The sale did not go through as planned. I ended up closing on it on XX/XX/XXXX due to a lengthy legal dispute. 

When I got access to the property, I saw unpaid notice mails delivered to the address from Credit Collection Services, trying to collect a " debt '' from XXXX XXXX XXXX XXXX for property insurance dated XX/XX/XXXX for {$370.00}. 

They want me to pay a debt I do not owe, on insurance I did not bind, on a property I did not own at the time. They are extorting me saying it will be reported to my credit bureaus anyway. I have a perfect XXXX credit. 

This is fraud. They are trying to collect money for services not rendered. You can not get insurance on someone else 's property. Just like they would deny my claim had any damage to the property occured prior to me buying it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Im begging you plese remove this to the credit 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 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
Transunion wants ne to pay for my annual free credit report. File number XXXX, dated XX/XX/2020.

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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
There are several account that are reporting as charged off which is not accurate they need to be investigated

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: 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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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  Balance : {$71.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/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 2022-03-14
Company: EQUIFAX, INC.
State: PA
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 XXXX in the XXXX XXXX XXXX XXXX from XXXX until the present date. I have no knowledge of this account or an address that is listed on my report. This account and my personal information should be thoroughly be investigated and the information removed from my record. 

Account : XXXX XXXX A Reported : XXXX. XXXX, XXXX - {$330.00} Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
UCB Collections has been reporting to my credit report that I owe them a debit that has not been verified after multiple attempts to verify the debt. There is no debt owed to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Shellpoint Partners, LLC
State: SC
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:
see attached documents. Late payment on my XXXX credit report. I sent a complaint to the CFPB and receive a reply from the company involved Shellpoint. This investigation they send was incomplete and superficial. I have attach their first response to my inquiry and my response to shell point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My Credit Profile isn't reporting to any of the Credit Bureaus

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 2022-03-14
Company: EQUIFAX, INC.
State: NC
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 ( XXXX ) account, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: WA
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  XXXX XXXX XXXXXXXX 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 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 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I have an account Wells Fargo Bank # XXXX. I have received my IRS refund checks for the XXXX & XXXX, in the amounts of ( {$56000.00}, & {$27000.00} ) on XX/XX/XXXX and deposited them on XX/XX/XXXX in Wells Fargo, the XXXX XXXX on XXXX XXXX XXXX XXXX XXXX GA XXXX. 
When I tried to access my funds, the bank informed me that my account was closed and that it was transferred to the Lost Prevention Department on XX/XX/XXXX. I have been contacting this department for over a year to get more information, and to resolve any issues that might have caused this, but they indicated that the IRS have requested these checks back and they are not able support this claim with any documents. 
I have also contacted the IRS on numerous occasion to get information on why they might have requested these checks back from the bank. I was informed recently by an IRS customer service Agent # XXXX explaining that, if this was a paper check the IRS will contact me directly for any problems, they would have not contacted the bank for that. Also according to the Bureau of Fiscal Service Agent #  XXXX that these checks were cleared on XX/XX/XXXX. 
The bank is refusing to send any tracking information as to where is the money went after being cashed, or any documents to support their claim.

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 2020-04-29
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$5900.00} XXXX  XXXX {$840.00} XXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$130.00} XXXX XXXX  XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$790.00} XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX {$440.00} XXXX XXXX XXXX {$570.00} XXXX  XXXX {$40000.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX {$410.00} XXXX XXXX {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX XXXX XXXX  on XX/XX/XXXX for a debt in the amount of {$300.00} which my husband and I wanted to settle. I contacted and spoke with an XXXX and the parties agreed to settle the debt in the amount of {$200.00}. ( Confirmation number XXXX ). {$100.00} was to be paid at that time with the additional {$100.00} to be paid XX/XX/XXXX. As I had another bill that was going to be withdrawn from my account I wanted to make sure that there was enough money in my account to cover both bills. 

Pending POS Debit - Visa Check Card XXXX - XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} When I logged in I was charged the full {$200.00}. When I called back I explained that I had another bill coming out and was going to get charged a {$29.00} overdraft fee. I spoke with XXXX XXXX who informed me that yes I was correct on the payment arrangements. That the only thing she could do would be to refund the {$100.00} but it would 48 to 72 hours by the time it would be returned to my account, just in time to be taken back out not to mention still getting hit with the {$29.00} surcharge. 

Tonight I went back on line and it states that we still owe {$100.00} which I believe they have every intention of attempting to collect it on XX/XX/XXXX FILE NUMBER : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Consumer : XXXX XXXX RECEIPT DATE :XX/XX/2019 Amount of the Debt : XXXX Amount as of XX/XX/19 : {$100.00} This is deceptive and theft since the agreement was for a settlement in the amount of the {$200.00} which they have already received.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation