BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I bought the XXXX XXXX  ticket from XXXX XXXX XXXX to XXXX, XXXX. I was located in XXXX, La. and XXXX XXXX  offices in XXXX, Fl. I have paid in American dollars.To purchase the ticket I used the Bank of America credit card # XXXX XXXX XXXX XXXX. The bank charged me {$16.00} foreign transaction fee because " the transaction was processed by a computer located in XXXX '', explained XXXX the bank 's employee. The XXXX XXXX office in XXXX, Fl. deny this, saying the transaction was processed " here in XXXX ''. 
I want {$16.00} back.

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 2019-03-06
Company: Monterey Financial Services LLC
State: NC
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:
Monterey Collection said the I bought an XXXX from them electronically, this is fraud and I have told company several times, they tried to get Money from my bank which was a fraud and my bank removed it because they knew it was a fraud, Now since I have been complaining money is add each time to the account from ( $ XXXX ), now I am making a complaint here. I want this off my report and they will lie and say someone else approved it who! NOT MINE. DID NOT APPROVE ELECTRONICALLY LIERS, AND I'M REPORTING TO POLICE DEPT. AS FRAUD. TRYING TO RUIN ME ON PURPOSE. MONTEREY COLLECTIONS I HAVE OFFICIALLY MADE A COMPLAINT AGAINST YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: 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 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 2023-01-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo is claiming that they reversed {$XXXX} ( XXXX transactions of {$XXXX} each ) to my XXXX Bank checking account on XX/XX/2022 that were erroneously deposited in to my Wells Fargo checking account on XX/XX/2022. However, XXXX Bank tells me that they did not receive the transfer from Wells Fargo. Since XX/XX/2022, I spent at least XXXX hours on phone between these XXXX banks and both banks are pointing to each other. Hope you could help me here

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX please 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 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 2019-03-06
Company: Experian Information Solutions Inc.
State: AL
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:
According to Experian, they say I have already received my credit report and not eligible for another one. In XXXX was my first time viewing my credit report since XXXX. I will need a free personal credit report. Also l believe my information is inaccurate due to fraud. I am requesting a credit freeze to be placed on Experian Credit Report. In addition please limit prescribed offers of credit, promotional inquiries and insurance based on information in my credit report. I am looking to seek damages from violators and dispute incomplete or inaccurate information. 

Sincerely,

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 2017-09-19
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my balance off in XX/XX/XXXX i have debit statements proof, they sent me a paid in full letter, the rep said it would be deleted from off my credit report, yet I still see it on there months later and I called to reassure on XX/XX/XXXX and a different rep said that they dont delete paid balances, then why would the first rep falsely lead me on to pay a debt that wouldve fallen off by law XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my six attempts to tell you that I am a victim of identity theft and I complain some inaccurate records and I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. No one seems to care, please delete the inaccurate information in my credit record that came about due to an alleged fraud. The following inaccurate information needs to remove : 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 XXXXXXXX XX/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 non-monetary relief
Consumer complaint received 2020-02-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Derogatory marks View all accounts COLLECTIONS XXXX XXXX Opened XX/XX/2019 {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account below has incorrect balance. 

1. XXXX XXXX XXXX Reported XX/XX/2020 38 % {$150.00}, balance is XXXX. 

2. XXXX  Reported XX/XX/2020 58 % Balance : {$1500.00}, balance is incorrect.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion Inc. unlawfully published a phone number under the personal information section of a report that was generated on XX/XX/2023. 

In a CFPB claim that was submitted XX/XX/2023 ( XXXX ), the company was informed that the phone number was being used fraudulently and added to the report by a third party contractor working with Transunion Inc. at the time.

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts. 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 2021-01-23
Company: NAVY FEDERAL CREDIT UNION
State: AZ
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:
My card was used without my permission, consent, or authorization to make purchases and transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Global Credit & Collection Corporation
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice from Global Credit & Collection Corp dated XXXX/XXXX/2109 and I sent them a response by mail within a week that I do not owe the debt that they are trying to collect. 

On XXXX/XXXX/2109, I received a phone call from Global Credit & Collection Corp asking me to pay the debt. I told the representative that I did respond to their inquiry and not to contact me any longer I would like them to remove me from their contact list since I don't owe the debt they are trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Global Lending Services LLC
State: VA
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:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: International Computer Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: The Bureaus, Inc.
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:
For the past few months I've been writing and requesting verification of this account, and The Bureaus has sent me nothing. It has been extremely difficult to dispute with a company named The Bureaus,  because I also had to dispute with the 3 credit bureaus for this account! Despite my many requests for information, I still have received nothing! HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX has been placed on my credit report as the owner of this debt however, there. are several names on this invoice with no further information. The invoice not only has a name of XXXX XXXX XXXX, it also has XXXX XXXX XXXX, XXXX, it states services provided by XXXX XXXX XXXX XXXX, there is a name of a XXXX XXXX. This alone is adding false information to my credit report if they are not the actual owner of the debt. 

I have contacted XXXX XXXX requesting more information which includes documents that I would've signed in the emergency room and they have not responded.

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 2021-10-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened Wells Fargo checking account with a {$200.00} bonus in XXXX. Until now the bonus has never been paid.

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 2023-09-07
Company: LEXISNEXIS
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I requested a Consumer Disclosure Report pursuant to the Fair Credit Reporting Act. They refused to provide it. Asking me to fill out an online form, again, with the same information I already provided to them. I have requested my report multiple times both by phone, mail and on their website. They are violating the Fair Credit Reporting Act by refusing to provide me a copy of the information they are keeping about me and spreading false information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: ALLY FINANCIAL INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX and XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, and XXXX  Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 I have late payments due but I continuously get multiple calls per day and messages left on my voice mails daily. I am constantly being harassed daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: CONTRACT CALLERS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was wrongly created by a store employee that did not followed the correct procedures. The phone was returned prior to 48 hrs and the offer was up to 72 hrs. I tried to fix this matter with the  company and they were not able to help me. I have never had a late payment in my credit history and they are telling me I owe them {$53.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I get repeated calls from Capital Accounts regarding collections for a medical debt of ~ {$50.00} ( from XXXX XXXX XXXX XXXX XXXX in XXXX ). I have formally disputed the charge, as I do not agree that XXXX XXXX    XXXX should have sent any bill at all. I have always paid all my bills, and of much larger amounts.I keep getting calls, and I have repeatedly requested agents from Capital Accounts to stop calling me. However, they keep calling, and are rude, and it seems their only goal is to harass me. Here is a brief summary : 1. I have a child with XXXX XXXX, and it takes specialized experience in dealing with such children to be able to Consult and treat them 2. When I took my daughter ( my son 's sister ) for her annual exam, I inquired at the office, and they informed me that their doctors have experience and will be able to examine my son 3. When I visited them with my son, the doctor was unable to do any exam on my  son and finally gave up saying he needs to be examined under XXXX. 
4. They handed me a 'treatment plan ' that required me to pay thousands of dollars. 
5. Subsequently, they sent me a bill saying that since they were not able to do a comprehensive exam ( which is covered by insurance ), they called it a limited exam. My point was that the doctor never really examined the child at all - and the doctor clearly had no experience dealing with Children with XXXX XXXX. Something the office made me believe to set me up for the appointment. 

In light of the above, the charges on this bill are fraudulent, and I should not owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it 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 non-monetary relief
Consumer complaint received 2021-02-03
Company: AMERICAN EXPRESS COMPANY
State: CO
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 was sent an invitation by a friend to apply for an XXXX XXXX card and if approved I would receive XXXX bonus points. Amex did not honor the points. They claim that I clicked yes to open the card without the points. Ive asked for them to provide proof of this and they could not provide any. Why would I open a new card if Im not getting the promised bonus points? Additionally, they charged me a {$95.00} annual fee. When I called to cancel the card they would not waive the fee and close the card. They forced me to move into a lower card in order to waive the fee but charged me a pro ration of the fee from when it was originally charged to the day I was put into the new card. They have been difficult to deal with at every turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company in question is NCAA. National credit adjusters. I had to delinquent accounts with them and back on XX/XX/2020 I called them to see if I could make a deal on paying the debt. We had agreed on a recorded line for a pay and Delete. We agreed to roll both accounts into one lump sum. After crunching the numbers they gave me 50 % discount and agreed to delete the accounts within 30 to 45 days. Almost 2 months later when the accounts were still showing on my credit report I called them back. And they stated they did not do pay and deletes. They clearly lied to me to get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I called XXXX XXXX XXXX NMLS # XXXX ) with NewRez LLC to only inquire on NewRez 's underwriting guidelines/policies/procedures concerning a " special piece of property '' that I own. I did not call XXXX XXXX to apply for a new loan. On this same day, XXXX XXXX was given my many questions, and he stated that he would get back with me with these answers. Later on XXXX sends me an email stating " thank you for applying for a mortgage with NewRez '', while ignoring my request to first answer my questions by email to me before any new loan was started. XXXX made an inquiry on my credit report without my permission. Three days later, I learn that XXXX has issued a " Statement of Credit Denial '' based on " Excessive Obligations in Relation to Income ''. I never sent XXXX any verified income documents. I did tell XXXX that I had additional income ; and that if needed, I could add my wife 's income ; which would qualify if added. XXXX never answered my questions by email to me. XXXX was so incompetent, that he attempted to call me many times by dialing a wrong phone number. I fear that XXXX has damaged my excellent credit score ( over 800 ) with this fraudulent credit denial. XXXX issued a CREDIT DENIAL simply to get rid of me ; and not answer my questions.

Company response to consumer: Closed with explanation