BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Certified letter mailed to XXXX XX/XX/2023, request for validation of contract due to wrong amount and time frame reported. Information was deleted from XXXX and XXXX. Separate dispute made to Transunion as information was placed back on report XX/XX/2023 post notification of documented deletion of account. Report number as follows ; XXXX Dispute, Investigation Results Report Created On : XX/XX/2023 File Identification Number : XXXX Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS DELETED : The disputed item ( s ) was removed from your credit report. 
Feedback In response to your dispute, this item was DELETED from your credit report XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had it with Wells Fargo. Over the past XXXX months, I've experienced financial hardship with my contract ending at a job I had. I've been unemployed during this time and had to rely on driving XXXX while attending grad school. Wells Fargo recently XXXX the ability for my account to overdraft which has made my situation even worse by bouncing ACH and debit transactions on things I need and rely on. 

The final straw was today when I saw that a company that I put a stop payment on charged my account twice in the past week. I reported the transactions as unauthorized as the company took money out of my account using fraudulent checks and the agent, whom I could barely understand told me that he would have to close the account ( I think he meant to say restrict online access to my account ) and that he can transfer me to the department that can have me re-access the account, however, I was transferred to the wrong agent and the agent transferred me to another fraud agent. The second fraud agent said that there was no claim made on my account and that she would have to make one, she offered that I could stop the payment or go into a process that would close the account - however after informing her that I will leave Wells Fargo if im charged a stop payment fee I was put on hold and told that I won't be able to put a stop payment on the payments, even with a fee and that I would have to go into whatever process she was talking about. Frustrated, I was sent over to an escalated support agent who was just as bad as the first two, I further declined for them to continue the claim and told her that I will leave Wells Fargo next month. I was told that the department responsible for giving me access back on the account was closed and that I would have to call tomorrow. 

I do not know if my deposits will hit the account tomorrow, I do not know If I would have access when I call, as I no longer trust this bank.

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 2022-10-21
Company: Experian Information Solutions 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:
the company 's below have violated my rights. 15 USC 1681 SECTION 602 A 15 USC 1681 SECTION 604 A SECTION 2, 15 USC 1681c ( a ) ( 5 ) company had also NO PERMISSION to report ANYTHING USING MY INFO PURSUANT TO XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021 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 2023-03-27
Company: CITIBANK, 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:
Please see the attached Letter to support my Inquire against Citibank for False representation to get reimbursed for the amount of {$1400.00}. due to contradictory information and negligence given by Citibank 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 2019-04-26
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
TOOK OUT A LOAN WITH EASY MONEY IN XXXX TN, FOR THE FIRST COUPLE OF MONTHS NO PROBLEM BUT WHEN I INCREASE THE LOAN WERE GETTING DOUBLE INTEREST CALLED CUSTOMARY INTEREST. SEVERAL PPL COMPLAINED AND THE DISTRICT MANAGER WAS SUPPOSE TO CREDIT SOME OF THE CUSTOMARY INTEREST. PER CORPORATE AT XXXX WAS TOLD THEY HAD NOT BEEN ABLE TO GET IN TOUCH WITH HIM. TALKED TO XXXX ABOUT THE SITUATION AT CORPORATE WHO TRANSFERRED ME TO XXXX A DEPARTMENT TO HELP PPL WAS TOLD BY HER SHE WILL CALL ME BACK NEVER RECEIVED A CALL. WAS CALLED SEVERAL TIMES BY XXXX FROM COLLECTION WHO DID NOT READ THE NOTES ABOUT THEY WERE STILL WORKING ON MY ACCOUNT. TOLD HER THEY WERE WORKING ON THE ACCOUNT TALKED TO THE XXXX DEPARTMENT AGAIN SAID TO WAIT ON MAKING A PAYMENT UNTIL THEY SOLVE THE PROBLEM. TALK TO THE COMPANY AGAIN XX/XX/2019 WERE TOLD THAT THE DISTRICT MANAGER REFUSE REALLY AND HE HAS HELP OTHERS. THIS IS NOT RIGHT AND PLEASE SOMEBODY NEEDS TO KNOW THERE JOB THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The PayPal Credit Account I have had for some time has changed over to Synchrony Bank, and since this occurrence, they do not allow any grace period in making payments to my account. I bill is due on the XXXX of the XXXX, and I paid it on the XXXX. But it was not posted until the XXXX. I was charged an excessive amount for a late fee of {$41.00} on the XXXX. I don't think it is fair to any consumer to have to pay late fees in such amounts that it is almost half your monthly payment amount. This business practice keeps the consumer in debt to the merchant, affects their credit ratings with late fees, and does not consider giving any additional time 3-5 days at least for the debtor to pay their bill monthly or otherwise. Debt Collectors are making nothing more than more profits in keeping the Consumer in debt to them by adding excessive late fees which add on to the interest balances on any 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 2022-10-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Account # Not Available On Credit Report XXXX. XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 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 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 2021-02-27
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:
Approximately XX/XX/XXXX and before this date there have been other appeals to and in regards to this matter I have submitted letters to TransUnion and XXXX  about credit errors and improper information on my credit report. I have filed reports with FTC and police reports to validate my claim and sent the necessary paperwork to TransUnion and XXXX. However, TransUnion and XXXX continuously sends me computer generated responses stating that they have validated that the account in question which is a Chapter XXXX Bankruptcy listed in XX/XX/XXXX is accurate, along with other accounts XXXX XXXX XXXX which doesn't contain the correct address/incorrect spelling is a direct violation of FCRA, XXXX XXXX, and XXXX  XXXX XXXX. I have made several phone calls and have talked with different representatives and fraud department officials in regards to this matter and nothing happened. I also have contacted the creditors themselves in an attempt to resolve these issues and they could not and have not submitted proven to me with original copies of my signatures for these above mentioned accounts in months. This is a total disrespect and it is the main reason for me not being able to qualify for a mortgage. I have hired an attorney and he instructed me to file this report before proceeding one last time. I demand proof. If not, remove these accounts not just computer generated letters. I do not accept 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 2023-03-23
Company: EQUIFAX, INC.
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: Account information incorrect

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 sent a letter off on XX/XX/2023 to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to any third party party. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28
Company: EdFinancial Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Due date of student loan is the XXXX of every month. Went in today to make my payment, on Sunday the XXXX at XXXX. The EdFinancial website sets my payment date to the XXXX because only weekday payments are processed on the same day. 

Why give a due date of the XXXX and then make my payment effective date the XXXX when my payment is on time? So, the payment is actually due on Friday the XXXX. Thats misleading and unfair. If I pay on the XXXX, the payment should be applied that day. My credit report should not be dinged because EdFinancial can not process weekend payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been disputing with Experian since XX/XX/2020 regarding the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached all my previous letters showing my attempts to rectify these unauthorized inquiries. I have exercised my rights as a consumer for proof of verification, but Experian has continued to ignore these requests.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 writing to file a formal complaint against [ Credit Reporting Agency Name ] concerning multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding adverse accounts that have been closed, the reporting of late payments, and the reporting of charged-off accounts.

Details of the Complaint : 1. Reporting Adverse Accounts That Have Been Closed : Experian, XXXX and XXXX has continued to report adverse accounts on my credit report that have already been closed. This practice is in direct violation of the FCRA, which mandates that adverse accounts that have been closed should not be reported on a consumer 's credit report. This incorrect reporting misrepresents my financial history and negatively impacts my creditworthiness. 
2. Reporting of Late Payments : I have discovered that Experian, XXXX and XXXX has reported late payments on my credit report, which is a clear violation of 15 USC 1666B. The FCRA requires credit reporting agencies to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a significant breach of this requirement. 
3. Reporting of Charged-Off Accounts : Experian, XXXX and XXXX has reported charged-off accounts on my credit report. According to the Internal Revenue Service ( IRS ), charged-off accounts are considered income, and they should not be reported as outstanding debts on a consumer 's credit report. This practice misrepresents my financial status and creates an inaccurate reflection of my creditworthiness. 
I have attempted to resolve these issues with Experian, XXXX and XXXX directly, but my efforts have been unsuccessful in rectifying these violations. I am turning to the CFPB to seek assistance in resolving these matters and to ensure that my rights as a consumer under the FCRA are protected and upheld. 
I kindly request that the CFPB investigates these violations and takes appropriate action to address and rectify the inaccuracies on my credit report. I also ask that Experian, XXXX and XXXX be held accountable for its failure to comply with federal regulations and its impact on my creditworthiness. 
Enclosed with this letter are copies of my credit reports reflecting the inaccurate information, as well as any related documentation that supports my complaint. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving these violations.

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 2017-10-07
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
US Bank sent notification in their XX/XX/XXXX statement that a $ XXXX monthly fee would apply beginning XX/XX/XXXX. I could avoid this charge if I maintained a {$300.00} minimum daily ledger balance. 
On XX/XX/XXXX, I deposited funds to bring my balance to {$310.00}. Therefore, my minimum daily ledger balance since XX/XX/XXXX was over {$300.00}. 
They took the {$4.00} service charge anyway on XX/XX/XXXX, stating that the minimum balance was {$260.00}, which was the minimum balance prior to XX/XX/XXXX. 
If the minimum daily balance requirement applied beginning at the start of my statement period ( XX/XX/XXXX ), it should have been stated as such. 

The {$4.00} is not the issue - if they did this to me, they did it to thousands of other consumers. The {$4.00} may be a bigger issue for them, and they may not have the wherewithal to fight 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 monetary relief
Consumer complaint received 2017-10-07
Company: Receivables Performance Management, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX I received a notification in the mail from Receivables Performance Management stating that I owed {$XXXX} and the original creditor was XXXX. 

I have never had an account with 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 2023-03-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28
Company: Experian Information Solutions 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:
I have been contacting Experian explaining to them that they are reporting things that absolutely do not belong to me. I have told them over & over & over again that this information that they continue to keep on my report is fraud information. The account for XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX do not belong to me & I did not apply for these accounts. I have sent several police reports & the identity theft reports and they still report fraud information along with address information that I have never lived at. I have never lived at XXXX XXXX XXXX XXXX XXXX, IL XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. On XX/XX/XXXX I submitted a complaint about this case XXXX & they states that they could not locate me in the Experian system but still reports fradugelent accounts after I have requested they delete the fraud information.

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 2017-10-07
Company: SYNCHRONY FINANCIAL
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 wallet, driver 's license, social security card and my XXXX XXXX XXXX XXXX credit card was stolen from XXXX XXXX in XXXX XXXX, AZ. There is {$3400.00} of fraudulent charges/transactions on my XXXX XXXX XXXX XXXX credit card account : XXXX. The charges are all fraudulent and do n't belong to me.

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