BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX if 2017 I closed account that was a secure card. When I got my final statement it showed I owed money to them. I looked at statement that they printed up to me at the bank and noticed the 1st thing. It was a {$30.00} dollar difference in amounts from the ending month to the very 1st day if the new moth showing on the opening balance. I have been unable to work on this due to heath issues with major XXXX. Also I have a unauthorized charge from a hotel in XXXX XXXX that we never stayed at it was canceled and the charges it 2 weeks after we were supposed to stay ther that was never removed. I did call the bank before the charge took place and told them not to except the charge and the did anywAys. This put me over a lot and the accounting they re doing it deliberate. They know the amonts were not right and thats not legal. They will Just say sorry about the mistake and nothing to come out of it. I bet if you looked over my account and did a re accounting of it theres a lot of things! Im just not able to do in my condition. Now its on my credit report and they refuse to remove it or give me back my money they took or gave. their stealing from all of us. And I dont need this aggravation right now above all things. Can you help Me solve this?

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 2019-08-14
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hi, I have applied for the Comenity Caesar 's Rewards Credit Card twice now, and it keeps getting denied because it states something along the lines of " unable to verify applicant authenticity, high chance of application by non-applicant '' meaning that their automated system thinks that I am not the one applying for the card. However unlike XXXX and other normal credit card companies, Comenity doesn't ask for proof that you were the one who applied. If they had, i'd be happy to provide my Driver 's License and other items, that prove beyond a reasonable doubt that I am indeed the applicant and that I applied for the card. To simply state that they are denying me because they can't verify my identity after conducting a hard pull on my credit, without asking me for proof of my identity is absolutely crazy. I go to Caesars  about once every couple of months, and the reward structure happens to match what I am looking for in one of my credit cards. If they'd like i can send them a copy of my most recent Caesars bill with my name on it, showing that I did indeed stay there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My Identity was stolen and there have been unauthorized credit cards and loans opened in my name and reported to 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 non-monetary relief
Consumer complaint received 2020-02-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mom bought a car, I have never seen the car, so even though I clicked used car I am not sure. I never saw the car. 
The salesman called me and asked if I would come down and cosign. My mother came home with the car. The salesman never called me to come and sign anything. I asked my mom. She said they said they just approved her by herself. I called the salesperson. He said everything is finished. I never signed for this car. The dealership should not have me on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Prior to any invoice, I received a phone call from XXXX XXXX office attempting to collect {$1600.00} over the phone for payment for a XXXX. I advised that was inaccurate as they were in an in-network provider and I had high cost XXXX XXXX XXXX XXXX XXXX dental insurance and XXXX XXXX health which also had a dental provision. XXXX 's office refuses to take the mandatory write off that she is contractually bound to take as an in network provider. I already paid {$200.00} as reflected on the invoice. Please see the insurance patient responsibility of {$400.00} leaving a total of {$200.00}. remaining due. I requested an updated accurate invoice and XXXX refused. At that time I submitted a accurate XXXX review to which XXXX became enraged and sent my account to collections LESS than 3 weeks after sending the initial invoice. 
I filed an ongoing grievance with XXXX XXXX XXXX XXXX where XXXX is claiming she is not an in network provider in an attempt to harm my credit. Please see attached which clearly shows all facts above including that XXXX XXXX is on-network.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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 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.

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 2021-05-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months. After waiting for 180 days to withdraw my funds I was not authorized to withdraw still. But I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: IL
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:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: NV
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 following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet you could not substantiate its representaiton.. You have provided information while knowing or having reasonable cause to believe that the information provided was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 01 XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 11 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 09 XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX XXXX ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: POPULAR BANK
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I initiated an account opening with Popular XXXX for an Ultimate Savings on XX/XX/2019. Today, XX/XX/2019, an account closing was initiated by said company. I noticed what was done when checking my account online. I then called Popular XXXX to find out what was going on. According to a customer service representative spoken to on the phone, the account was closed due to suspicious activity. No further details or explanations could be given on the case because not enough information was available to the representative. The company failed to inform me of their actions and completely disregarded me as a customer. Also, Popular XXXX failed to contact me to report the suspicious activity. The company then charged a whopping 25 dollar closing fee. This company is clearly using shady business practices to open accounts for new customers, promising them high-interest rates, to then close them days later for their benefit, and charge heinous fees in the process. These actions are completely unfair and should really be taken into account when trying to provide good customer service. I did not commence the account closing and should not have to pay or be charged a fee for actions on behalf of the company. It is completely ludicrous and shows a level of high disregard for customers hard-earned money. I am now 25 dollars short for something I had nothing to do with, and the company is 25 dollars richer. What is the fairness in this? Just another financial institution making false promises to fatten up their wallets. I am completely appalled by their actions and others trying to open accounts should be very wary when trying to do business with Popular 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 2019-08-14
Company: EQUIFAX, INC.
State: NV
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 following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet you could not substantiate its representaiton.. You have provided information while knowing or having reasonable cause to believe that the information provided was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 01 XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 11 XXXX XXXX ), XXXX XXXX XXXX XXXX  CREDITOR : 09 XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
FRAUDULENT ACCOONTS WERE ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIEVED ANY GOODS OR SERVICES FOR THESE FRAUDULENT ACCOUNTS AND INQUIRIES

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 2021-02-09
Company: TCF NATIONAL BANK
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
TCF Bank has been taking my additional payments on my mortgage and applying them as " future payments '' and holding them under the escrow account instead of paying down the principal of my mortgage. As of my statement dated XX/XX/XXXX I have {$17000.00} in my escrow account. This ammount is far and above what is necessary to pay for taxes and insurance. I have tried to get this resolved multiple times through the company. Here are the request numbers : # XXXX, # XXXX, # XXXX. After 3 attempts to correct this issue I get a letter from the tax and escrow department at TCF Bank stating they think they received funds in error and enclosed a check for {$6600.00}. There was no explanation or calculations provided as to how they arrived at this number. Also they have deducted this ammount from my escrow account on my XX/XX/XXXX statement from my escrow account. I have not cashed this check. 
I would like a full escrow analysis completed on my account. I would like all additional payments for the life of the loan to be applied to the pricipal of my loan and to have any interest charges I have paid as a result of this error to be reimbursed and put towards the principal of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX Aldous And Associates XXXX South XXXX XXXX XXXX XXXX XXXX XXXX UT XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX Subject : Dispute Regarding Inaccurate Collection Accounts on My Credit Report Dear Sir/Madam, I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 
As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX : XXXX, Amount : {$180.00} XXXX. Aldous And Associates, XXXX : {$120.00} XXXX. XXXX XXXX XXXX, Amount : {$320.00} I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine.

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).

Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.

I have enclosed a copy of the credit report containing the disputed accounts. I look forward to your prompt action to resolve this matter.

Thank you for your time and understanding. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
SYNCHRONY FINANCIAL, A corporation organized and existing under the General Corporation Law of the State of Delaware is an issuer of Credit Cards. 

I obtained two credit cards from Synchrony Financial. One Lowes Credit on XX/XX/XXXX and one WalMart Credit card on XX/XX/XXXX. 

On that or around XX/XX/XXXX Both accounts became delinquent. According to XXXX Courts and Judicial Procedure Limitation of Actions According to TITLE 10 8106 Actions subject to 3-year limitation. The start of the statue of limitations would have begun when the accounts became delinquent to three years after that point around XXXX of XXXX. 

As a New York State Resident The Court of Appeals of the State of New York XXXX XXXX v. King held that the statute of limitations of the state where the credit card issuer is based, rather than New York 's statute, may be correct statute of limitations to apply. In this case 3 years. 

After the 3 years the case is " time barred ''. However, SYNCHRONY FINANCIAL sold this account to a 3rd party Debt Collector XXXX XXXX XXXX and appears to have transferred the time barred accounts over to its subsidiary company Synchrony Bank in an attempt to re age the accounts in violation of the FCRA. 

I allege that Synchrony Financial is well aware of laws which pertain to The FCRA as well as state Laws. Synchrony Financial I allege knowingly sold a time barred account to XXXX XXXX XXXX at which now by and through their attorneys have filed a motion in NY State Supreme Court against me on a time barred account beyond the statute of limitations.

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 2023-06-27
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
U.S Auto sales went bankrupt and did a no recourse dealer retail agreement and then XXXX XXXX XXXX then they resold the debt to West Lake Portfolio Management which is not correct. The debt was written off in a bankruptcy o i no longer own this debt. I did in house financing so if the company went bankrupt so did the debt. I made all my payments on time it say debt paid off on my credit report. Not to mention West Lake has all the incorrect information on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: NE
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-02-09
Company: AmeriCollect
State: PA
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 have written several disputes to this company and they have not responded AT ALL! They have willfully violated my rights by intruding onto my credit file without any prior notification or stated reasons. I have disputed the account, and they have not responded to me! This violates the FCRA and FDCPA in so many ways it hurts! PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of America XXXX edd card let someone transfer all my funds out of my card via a XXXX party bank and they have not yet to return my money. I also made a police report so they can get involved. My name is 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