BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-25
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: Account information incorrect

Complaint:
XXXX has on my credit file a was a charge off there was or is no charge off on this account.

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 2020-04-23
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Amazon Credit card from Synchrony bank and last week I checked my account and I was surprised to see a one time {$990.00} charge from the credit card company on top of the regular interest I have been charged on a monthly basis. I called the bank and was told the first time by the person on the phone that she was going to escalate the issue and have the fees refunded to my account. I was never aware of a promotion that was going to charge me that much interest at the end of 12 months neither did I received a reminder about getting charged that much money on interest due to s promotion who is about to expire. I purchased my products on Amazon and selected my Amazon card at the end of the checkout process, however I wasn't aware of something like that. This is unprofessional and I feel like I have been scammed. I called again today the bank trying to speak to someone and their agents were rude and unwilling to help. I'm filing a complaint here, however if I don't hear back from the bank or Amazon, I will file a lawsuit against the bank for malpractice and overcharging my account. I will not let this go and I'm not agreeing on paying for this ridiculous high interest fee. This is outrageous and unbelievable. Banks can just charge you fees and interest like that without giving you a warning. Who is going to protect us. Why Synchrony bank never send me a email, letter or any communication regarding a promotion I signed off which I was never aware. Why I was never aware of the promotion from the start to the end especially if I was going to be charged a ridiculous amount. When did Synchrony bank send me any notifications regarding this promotion and the charges I was going to get? I will definitely file a lawsuit and use any means necessary to tell my story and get the charges reversed back. 

I have now an additional {$990.00} on my credit card balance and stuck with paying for that. 

Thank you

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy 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 2022-03-22
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I've received my credit report from Equifax in the mail. I previously reported to them this same missing information problem and their response was to contact the credit card bank. The account bank keeps telling me that they report their information. My primary credit card, that I use most often, is my credit card from XXXX. It's a XXXX card. I use if regularly and it doesn't ever show up on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: Experian Information Solutions Inc.
State: NY
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:
On XXXX XXXX, 2017 the allege debt XXXX XXXX XXXX. is reporting as owed is inaccurate and has been discharge pursuant 11 U.S. code 727. XXXX XXXX XXXX is reporting false information to EXPERIAN. I have made several attempts to settle this matter and XXXX XXXX XXXX. continues to cause injury and damages to my personal credit, defame reputation, and slander my character. XXXX XXXX, XXXX is in violation of Fair Credit Reporting Act, Fair Debt Collection Practice Act, and NEW YORK STATE Debt Collection Laws..

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 2019-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint is in regards to Bank of America 's misleading and deceptive loan practices for customers seeking to refinance their home mortgages and pulling a customer 's credit score without authorization. Prior to 'locking-in ' a refinance rate with Bank of America on XX/XX/19, I was assured by a Bank of America Snr . Mortgage Lending Officer that Bank of America would " beat '' another lenders offer and highly encouraged me to seek competing quotes. As an existing Bank of America customer, this was appealing because it ensured I had the option to shop around. Two such quotes I received were more competitive than Bank of America 's. One was granted the exception on XX/XX/19 and even though the same Sr. Mortgage Lending Officer assured me that the second exception would be obtained ( emails attached ) -- it was ultimately " not approved '' on XX/XX/19. This deceptive practice then forces the customer to decide if they pay a higher rate, or waste the time, money, and negative implications to their credit by beginning the process with the other lender. While I believe I was blatantly mislead over the course of my dealing with Bank of America, I no longer trusted them and will now incur the loss of {$1100.00} cost for an appraisal, 3-months lost savings from the better refinance rate, negative impact to my credit due the hard inquiry, and potentially higher refinance rates/costs with the other lender due to dynamic market conditions.

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 2022-04-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: SD
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 been receiving text messages from citizens bank for a few months about a line of credit I supposedly had with them. I ignored as XXXX. I received a letter on XX/XX/XXXX saying I owed them {$1700.00} for an account called XXXX XXXX XXXX. I was told it was opened on XX/XX/2021. I or none of my family had opened this account. I have contacted them and provided all the documentation they requested. The only info I could get from them is the last 4 digits of the card since I never received any paperwork because I did not open the account. They have denied my claim now a second time and are not providing any reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XXXX XXXX, 2017 the allege debt XXXX XXXX, XXXX. is reporting as owed is inaccurate and has been discharge pursuant 11 U.S. code 727. XXXX XXXX XXXX is reporting false information to XXXX. I have made several attempts to settle this matter and XXXX XXXX XXXX. continues to cause injury and damages to my personal credit, defame reputation, and slander my character. XXXX XXXX, XXXX is in violation of Fair Credit Reporting Act, Fair Debt Collection Practice Act, and NEW YORK STATE Debt Collection Laws..

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 2022-04-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I corresponded with Wells Fargo about a check cashed at Wells Fargo XXXX branch # XXXX around the date of XX/XX/2021. I indicated the check in question wasnt properly endorsed and cashed. They advised me that the check issuer is responsible for the funds and approval to provide funds for this check. I have spoken to XXXX XXXX who have advised me in writing that Wells Fargo is responsible for depositing an improperly endorsed check. The uniform commercial code governs the way that endorsements should be excepted. Wells Fargo provided an argument about a comma in the check endorsement making the check cashing valid. The check should have been endorsed with a or in between the recipients names for a single endorsement to be accepted as indicated by the Uniform Commercial code. 
The uniform commercial code clearly states that the check must be endorsed with or for the check to be deposited by only one party. This check was not written in this manner and was only cashed by one party, and I never endorsed the check. 
Im asking for a resolution on to this matter immediately. Clearly this check should have not been cashed or deposited as it was not properly endorsed. 
Wells Fargo didnt provide a response to a demand letter asking for a resolution or stating the reasons for not refunding the funds on this check as it was improperly endorsed and why the bank chooses not to follow the federal Uniform acts law which states your institution must comply with the uniform commercial code and standards for properly endorsed checks. 
This matter has cause significate issues in my life including large amounts of stress. I have had to take a considerable amount of time working on communicating with Wells Fargo on this issue. 
I ask your institution to recognize the mistake you have mad and immediately refund my portion of the check. 
The check in question was written XX/XX/2021. 
Check # XXXX By XXXX XXXX  # XXXX XXXX Paid to the Order of : XXXX XXXX, XXXX XXXX & XXXX XXXX Amount : {$3100.00}. 
Regards, 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 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on XXXX XXXX. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.

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 2020-04-23
Company: Client Services, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls from Client Services , Inc. from XXXX XXXX, Mo. Repeatedly call multiple times a day. When I answer to ask them to remove me from their list, they will not answer why they are calling, or will even hang up. The voicemails they leave are vague and leave no details as to debt they're trying to collect. Pair that with I have no debt in collections, this is getting to be a nuissance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
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:
I disputed this public record reporting in error and asked for an investigation, verification, and deletion over 6 months ago. The Credit Bureaus have NOT provided verification per the FCRA and falsely stated that the courts verified this public record, however, enclosed in a letter from the courts stating that they DO NOT verify anything with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 or around XX/XX/2020 I received my paid in full letter after paying off accounts. XXXX XXXX  and XXXX XXXX  XXXX. However, upon notifying creditor XXXX, they did not update the amount paid for XXXX XXXX  nor did they report XXXX balance. Leaving my credit to ratio debt at 165 % usage.

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 2021-08-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the of accused collections account and date FOLLOW XXXX XXXX XXXX on XXXX XXXX for the amount of {$250.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW XXXX is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was in my ourse that was stolen from in side my car and I was not aware of the card being in my purse right away. I found out that my card had been used for many days by the time I relized it was missing. 
The bank denied my disputes for no reason and I have been treated with prejudice. 
demand that my account be credited for the disputed transactions that I did not authorize when my card was stolen. I disputed within the 60 day timeline, and even filed a police report. 
During the XXXX period that unauthorized transactions were being made to my account I was banking in person by transferring money from another account and coming in to withdraw cash which I used my Drivers lisence to complete the withdrawal with, since I could not find my card. Therefore I remained unaware of the activity that was taking place with money already in my account unrelated to the transfers that I completed specifically for the reason to withdraw the cash. When I withdrew cash I just took it and left and nobody ever discussed anything related to the money already in the account prior to transfer. So I never took any actions until later. I am still unsure if all transactions were disputed properly since only 9 at a time could be submitted and it became confusing to me when going through allof the transactions. My card was stoled along with my purse on XX/XX/2022 so any transactions that were made from that time forward till I was able to get a new card. They also skipped transactions when they were including each on because there is not the same amount credited back to my account Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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:
I am XXXX XXXX XXXX and im submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan had my federal rights violated on XX/XX/2021 I noticed an error on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX violated 15 USC 1681 ( c ) and 15 USC 1611 ( 1 ). XXXX XXXX XXXX XXXX. XXXX adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1681 ( c ) are up to {$1000.00} and 15 USC 1611 ( 1 ) are up to {$5000.00}. XXXX XXXX XXXX  XXXX XXXX  is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: REGIONS FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a letter from Comdata XXXX XXXX, Comdata Inc., XXXX XXXX XXXX, XXXX, TN XXXX, www.comdata.com, XXXX, saying that Comdata is pleased to announce two new improvements to my Comdata Payroll Mastercard. Except that I do not have a payroll card, and my employer does not pay people at all through payroll cards. My check is directly deposited in my bank account every payday. I called the company at the number above included in their letter inquiring why I was receiving this letter if I did not have a payroll card and do not get paid via payroll card. They insisted my employer provided them with my name and address, and I would be receiving a payroll card. I told them I spoke with my employer and this was not the case. I again asked why I received this letter at which time they started asking me for additional personal information such as my employer, which I did not provide. I continued to inquire, and they refused to explain the situation and only repeated many times that my employer provided my name and address and I would be receiving a payroll card - which I repeatedly told them my employer said is not true. Comdata was completely unhelpful at best and directly ducking questions at worst. They ultimately hung up on me rather than trying to get the the bottom of things. I still do not understand why I received this correspondence, which is unsettling with all the credit breaches as of late. Thank you.

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 2017-09-30
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A state tax lien on my record does not show my full social security number nor my date of birth. It also does not contain my address. As it does not contain the mandatory information required by law, I respectfully request that it immediately be removed from my credit report. I have filed XXXX disputes in the past with both credit reporting agencies.

Company response to consumer: Closed with non-monetary relief