BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2022 I XXXX XXXX a federally protected consumer sent SYNCHRONY BANK a request for debt validation, including but not limited to the initial agreement, debt collector failed to verify debt. Debt collector sent billing statements which is not verification of debt.

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 2023-04-17
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I spoke with the COMPANY CREDENCE RESOURCE MANAGEMENT REPRESENTATIVE XXXX XXXX they informed me that I had an XXXX XXXX in the amount of {$190.00}. and it has been placed on my consumer report dated XX/XX/2023 this company has stolen my identification, they have placed the fraudelent account on my consumer report without notifying me by phone or written communication per 15 usc 1692 c ( b ) they are supposed to have communicated with me before placing anything in collections on my consumer report. They also informed me that they are debt collector agency which is also a violation of 15 usc 1692. They have not only violated consumer law they also have committed identity theft as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: USCB, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked multiple times for the company to provide proof of debt owed and multiple times to provide proof of services rendered. RevSolve has not provided this at all and keeps pointing me back to the original creditor. When disputed in the past it was ignored and no additional information was provided. Since Resolve is not the original credit of this debt and can not provide this info it should not be on my credit. As RevSolve is a medical debt collection agency they need to provide proof they are following any and all applicable HIPPA Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I called Bankamerica on XX/XX/2022 because I did a few very smaller transfers from XXXX account to my other account, and when my account was negative they allowed me to take an overdraft fee 4 times for {$35.00} just from transferring money from XXXX account to another. I'm filing this complaint because I have been a client with them for XXXX decades and I can't believe they would charge me {$35.00} for each transfer. I asked to speak with the manager and the manager was not helpful and she wasn't polite the rep wouldn't help me or the manager. They would only refund XXXX overdraft fee and that's understandable but this is wrong and something needs to be done.

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 2018-08-09
Company: Diversified Consultants, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, I receive a call a day from Diversified Consultant, Inc regarding my debt to an old XXXX phone line. I have agreed to settle debt with them but they refuse to send me anything in writing laying out the terms of settlement. They insist I have to pay it online, with them on the phone with me otherwise any payment I make will be applied towards balance. I've closed out multiple accounts by agreeing to a settlement amount and requesting something in written prior to paying anything whether on the phone or online. I want to close to debt out but they will not let me. They simply insist that I must pay it their way or not at all. I just want a settlement offer in writing so I can pay of this debt. My guess is they will charge me and just add it towards the balance. They say they've sent me letters in the past but I've not received a single settlement offer in writing despite any request and pleadings with them for 10-15min per day per phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
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: Old information reappears or never goes away

Complaint:
Under Customer Statement with TRANSUNION they have a comment in which I Never asked them to place on my Credit Report, this comment only shows up under TRANSUNION. I would like the following statement removed from my TRANSUNION CREDIT REPORT IMMEDIATELY. The statement is impacting my approvals with other lenders. 
STATEMENT REPORTING : NATURAL OR DECLARED DISASTER VICTIM. I AM UNABLE TO MAKE TIMELY PAYMENTS DUE TO THE IMPACT ON MY JOB/WAGES AS A RESULT OF THE COVID 19 PANDEMIC. NATURAL OR DECLARED DISASTER VICTIM. HURRICANE HARVEY/COVID19

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: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My husband income was cut by 40 % last XXXX and returned to normal XX/XX/XXXX. He is salaried and worked long hard hours to help his company maintain as a good manager would. He did not qualify for government help as some other can. We quickly depleted our hard earned 3 months worth of savings and are now facing having to dip into our retirement savings. I wrote a letter to Department Store National Bank ( the bank behind Macy 's credit cards ) along with Citibank to ask them to please lower the outrageous interest rates ( 25-28 % ) to help be able to make the monthly payments. They refused. SECOND ISSUE. This last month I needed to pay the bill from two seperate accounts. After I paid half of the min due, I went to pay the rest out of another bank account of mine but it refused to take the payment saying that only one payment can be made per day resulting in a XXXX late fee. THIRD ISSUE. For XX/XX/XXXXpayment I tried to do a forbearance for the month. I had to send an email per Macy 's credit card 's webpage. I did and got turned down. I was charged late fee for paying 1 day late while waiting on their response. 

Seems to me that if Department Store National Bank ( DSNB ) or Citibank would, at the least, lower the outrageous interest rate, consumers like myself would be about pay our dues!

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 2023-01-22
Company: EQUIFAX, INC.
State: IL
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:
After review of my credit report, according to the Fair Credit Reporting Act the following account : XXXX. XXXX XXXX XXXX account # : XXXX Has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

16 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 
No instructions were given to furnish this account on my report. Furthermore all debts with XXXX XXXX were settled and sealed in court without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX : # XXXX XXXX DEPT OF ED / XXXX : # XXXX XXXX DEPT OF ED  / 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 XXXX XXXX : # XXXX XXXXXXXX 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-17
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to file a complaint against [ TRANSWORLD SYSTEM INC ] on the consumer finance website. The complaint is related to a debt that I do not believe is valid and the collection activities of the company have caused me significant distress and frustration. 

The alleged debt in question is related to a rental car toll notice that was opened in my name. The agreement was opened with [ XXXX XXXX XXXX XXXX XXXX XXXX and had a charge of $ [ {$5.00} ] ( original amount ). I do not dispute this account, but I dispute the amount of the debt that is being claimed by [ TRANSWORLD SYSTEMS INC ]. The amount being claimed by [ TRANSWORLD SYSTEMS INC ] is $ [ {$110.00} ], which is significantly higher than the amount that I believe I owe. 

I first became aware of the alleged debt in [ XXXX XXXX XXXX XXXX XXXX, XXXX  ] when I received a letter from [ XXXX XXXX XXXX XXXX XXXX ] stating that I owed $ [ XXXX ]. I immediately contacted [ XXXX XXXX ] to request more information about the debt and to request validation of the debt. I provided [ XXXX XXXX ] with a written request for validation of the debt on [ XX/XX/XXXX  ], but I did not receive any response from [ XXXXXXXX XXXX XXXX  ]. 

Despite my request for validation of the debt, I continued to receive frequent calls and letters from [ TRANSWORLD SYSTEMS INC ]. The representatives of the company were often aggressive and threatening in their communication with me, which caused me significant distress and XXXX. I attempted to explain my concerns to the representatives of the company, but they were dismissive of my concerns and did not provide me with any additional information or assistance. 

I also attempted to contact [ XXXX XXXX XXXX XXXX to obtain more information about the alleged debt, but they were unable to provide me with any additional information as the account had been sold to [ TRANSWORLD SYSTEMS INC ] . 

I am filing this complaint to request that [ TRANSWORLD SYSTEMS INC ] provide me with validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I would like to request that [ TRANSWORLD SYSTEMS INC ] provide me with the following information : The amount of the debt and how it was calculated The name and address of the original creditor A copy of the agreement with my signature Proof that [ TRANSWORLD SYSTEMS INC LLC ] is authorized to collect this debt I would also like to request that [ TRANSWORLD SYSTEMS INC LLC ] cease all collection activities until such time as they have provided me with the requested validation. 

I would appreciate a response to this complaint within 30 days of your receipt of this letter. If I do not receive a response within this time frame, I will consider this debt to be invalid and unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit 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:
Regarding this matter, this letter will be sent to the headquarter of Bank of America. 

Dear sir, Today, I have received an email notice from your company to check the letter at your company website regarding XXXX XXXX Acupuncture. And I found out, on the first pages of each letter, the claim ID was my credit card ending number XXXX. And XXXX of letters do not have the claim ID. I would like you to instruct your bank employee to indicate the right claim ID, since I might have many letters near future. 

Sincerely, The following letter was sent to the branch of Bank of America in TX. 

XXXX XXXX XXXX XXXX, TX XXXX Dear sir, Upon the request made on the XXXX bank website, I would like to send the information regarding the charge on the questioned credit card ending XXXX toward XXXX XXXX Acupuncture on XX/XX/XXXX. 

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 monetary relief
Consumer complaint received 2023-11-17
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:
The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Today, XX/XX/XXXX of 2023, I checked my Bank of America accounts online, and found out there was a charge to the joint account ending XXXX {$8.00} by XXXX XXXX. I asked my son regarding this charge he told me this charge was meant for anime subscription ; however, as you can recognize it on the printout, the merchant category of your bank record said, digital goods, games. Unfortunately, the conversation with my son was performed by text message of my old phone ; therefore, it is impossible to provide the printout. After my question to him, where did you get that company information, the message had stopped with my son. Upon the request of my complaints and disputes, the XXXX XXXX XXXX had already refunded the charges made by XXXXXXXX XXXX  for XXXX months totaling about {$48.00}, I seriously consider this charge to my Bank of America debit card must be illegal and fraud. For these reasons, I request the refund of {$8.00}. 

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 monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: MI
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 this creditor has violated my rights. 
under 15 USC 16.81 section 602 states I have the right to privacy. 15 USC 16.81 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In reviewing my records for XX/XX/2023, you are reporting I was 30 days late. 
This is not correct. In XXXX I was released from the XXXX and paid the bill immediately. I made the payment exactly 10 days after the due date NOT 30 DAYS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern I was a victim of Identity theft I have reached out to all 3 major credit reporting agency XXXX, XXXX and TransUnion these said accounts were deleted from my account. The accounts was deleted from my credit profile and was reinserted. Section 611, States I was to be notified in 5 business days of my account being reinserted back onto my credit profile and also according to the FCRA all 3 credit reporting agencies must have the same information. I also opening up a dispute on XX/XX/2023 and got a quick response back in 3 days the the items was verified as mines. It takes an investigation 30 days so I'm assuming they never investigated the accounts I stated in my report please provided all statements showing the exact times these account occurred I can't open another dispute according to the FCRA as a 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 non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On several occasions I would have money come up missing from my account, and my debit card was cancelled all the time because of the missing money when I went to the bank to find out what was going on, they always said that I was the one taking money out of my account, but didn't do because when this was happening it was usually in the middle of the night when I was sleeping, and one time it happened I miss placed my card in my room and couldn't find it, when I finally did find it in my room I was missing money from my account.when I went to ask about it they said it was me taking the money from my account because it was my chip being used.

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 2023-08-10
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 non-monetary relief
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: MO
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 complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX/XXXX  XXXX  Date of inquiry 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 2020-01-07
Company: Experian Information Solutions Inc.
State: IL
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:
Since 2017, XXXX XXXX and XXXX XXXX XXXX say i owe {$23000.00} dollars when i don't. As a result i have been denied 2 mortgages. I filed 3 disputes with experian and XXXX and supplied court documents. XXXX removed that alleged debt from my credit report. The debt is not mine, and/or not truthful. I even submitted the court documents to XXXX and experian and XXXX XXXX XXXX. I have no judgements against me from anyone. 

The refuse to remove it.

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 2021-02-03
Company: EQUIFAX, INC.
State: OK
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:
On XX/XX/2021, I provided the bureaus ( XXXX, XXXX, & Equifax ) proof from the Oklahoma bankruptcy court that I havent filed bankruptcy and they dont validate that info to outside credit reporting agencies either. Instead of removing the mixed/merged information from my credit profile, they sent results saying the info was verified, but not validated, by a third party vendor.

Company response to consumer: Closed with explanation