BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
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:
The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the information on the credit report is incorrect. 
XXXX XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$870.00}

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 2021-06-30
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of violent crime. I am not responsible for 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 2019-06-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Two credit cards were issued by Walmart and JC Penney respectively via Synchrony Bank. The credit grantor closed the WalmarXXXX account in XX/XX/2018 and the JC Penney account in XX/XX/2018 and have continued to charge an active {$38.00} late fee on both accounts each month. After contacting the companies respectively regarding the charges, the representatives would not remove the late fee charges although they have denied access to the credit on both cards for more than 6 months. The charges for late fees after the account was closed have destroyed my credit and I am seeking relief in damages. I have been denied additional credit and the credit score of myself and my authorized user has been severely diminished. The accounts are reporting as closed to the three major credit bureaus however the late fees are showing active each month thus further lowering my score. I have no issue with paying the amount of the credit used with the appropriate interest, however, charging late fees on closed accounts is not listed anywhere in the disclosures for each account nor with Synchrony Bank itself. In addition, my mother is listed as an authorized user and representatives have refused to discuss the account with her to resolve the matter. I was an XXXX XXXX XXXX college student when I signed up for the accounts and I authorized her to manage the accounts on my behalf and she was denied. 

These creditors are charging interest on late fees in addition the actual balance thereby running the balance up in excess while denying access to credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-04
Company: EQUIFAX, INC.
State: NM
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:
Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX - partial account number XXXX. ( Please see page 6 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  and XXXX   however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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 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 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 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 2019-09-10
Company: BB&T CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
BBT will not allow me to close two of my checking accounts without mailing in a notarized and typed letter. BBT states that they can not close the account when there is an existing balance. There's {$2.00} in one account. I've told them to either mail the amount to me in a check or allow me to pay the money to the bank ( whatever it takes to close the account ). This will be the third month I will be charged {$15.00} for not meeting the minimum requirements for the accounts, but I do not use the accounts anymore because BBT does not have a branch in the state we have moved to. This has been an unnecessary and prolonged headache that should've been resolved months ago. It should not be this difficult to close my own account. I understand wanting a paper trail of accounts that are closed, but you don't need to make the customer type out a letter, find a notary, and mail the notarized letter when it's XX/XX/2019. I can verify my identity and BBT can make their own note of my closed account without inconveniencing me just to make {$15.00} a month on an account I can't close.

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 2023-02-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I enlisted in the military fall of 2018. I spoke directly with Wells Fargo about my credit card situation and that I would NOT be able to make payments while going through military training as we arent allowed electronics, etc. They assured me I would be fine and to notify them once I exited training. I exited training and once I arrived at my duty station I called to find out they had closed my account and sent my stuff to collections. I now have a huge blemish on my credit report and wish to have it removed as its constituted financial hardship for my family all due to an erroneous act on Wells Fargos part.

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 2019-01-17
Company: Experian Information Solutions 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:
There are many mistakes appear in my report without my understanding.

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 2019-06-04
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX I submitted a lien release and information from my title company to all three credit agencies. XXXX responded immediately and made the necessary corrections. XXXX took a little longer but have made the necessary update/correction as requested. I have spoken to several representatives at Experian who have been rude and unprofessional at handling my request. Experian has confirmed that they had my information since XX/XX/XXXX but have not made the correction. At this time on my report it reads XXXX XXXX had started a foreclosure process which is not true at all. XXXX has sent me information stating that they have contacted all three agencies and do not know why Experian has not complied. Experian told me on XX/XX/XXXX that they are still waiting for XXXX to response from a request that I made on XX/XX/XXXX. The original request was made back in XXXX and XX/XX/XXXX XXXX responded but the response was incorrect. I made another request via phone and in writing to Experian and the update still has not taken place. I need Experian to update the remarks to state DISMISSED immediately so that I can move on with my life. This has been a difficult process and this agency has been very rude and not willing to cooperate with me at all. Please help my last request with your establishment was on XX/XX/XXXX XXXX and I thought that this would take care of all the agencies ; however, the two have replied professionally and updated the information correctly.

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 2020-08-10
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAINE & WEINER COMPANY PLACED A COLLECTION ON MY CREDIT REPORT FOR SOMETHING THAT I DON'T HAVE ANY KNOWLEDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Atlanticus Services Corporation
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I got approved by this company for a loan to purchase some furniture, everything was ok at first until they decided to change my contract to their benefit without notifying me about the change, when I call them they were extremely rude about the situation, I decided to pay off my loan and asked to close this account, I did not want to have any type of business with these people due to the fact that they have poor customer service, almost a year late I get a call from them asking for a late payment, so I call back and ask what this was about and according to them I owed a maintenance fee, when not once in almost a year later did this people made an effort to contact me about any maintenance, so I'm not about to pay any fee for a service that was never render. 
They stated that it would be removed, even though they did not have it on file, ok, so I asked for an email confirming the change, which they refuse to do, they also refuse to let me speak to the manager to solve the issue.

I want people to know that this is not a very friendly company, they will try to get your money with the so call " maintenance fee '' be really careful, revise your agreement make sure they don't change without you knowing it or prior notice. and the fact that they don't want to send emails confirmations or let you speak to a manager to resolve an issue, to me shows they have something to hide.Send people

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX placed a collection on my XXXX credit report from " XXXX XXXX XXXX '' in the amount of {$500.00} stating the debt was XX/XX/XXXX. I have not only not received a letter allowing me to disputed this collection as required, I have no knowledge of this debt or the original lender.

I contacted them by phone today and they referenced an email address and bank account that hasn't been opened since XX/XX/XXXX which makes me think they are re-aging a long expired debt that is out of Sta
tue of Limitations to collect on.

I was offered that I could pay to have it deleted instead of going through all the hassle of disputing it which also sounds fishy and illegal.

This fraudulent collection on my report has now caused great harm in my prefect credit report with no blemishes and lowered my score by more than 60 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XXXX XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via wire transfer and debit card, and through intermediaries named XXXX  and XXXX in the total amount of XXXX USD utilizing Wells Fargos services.

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 2018-12-07
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX/XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never XXXX days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX XXXX XXXX XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX XXXX   XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against 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 2019-01-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I have a newly created online store where I was unaware that customers had a PayPal Express pay options. Well one of my first few online sales on XX/XX/19, the customer choose to pay using PayPal and the funds were sent using PayPal. I was then instructed to created a PayPal account to gain those funds. 

I then created a PayPal account, add added my business banking information and waited the 2 business days for the micro deposits to verify my bank. I logged back into today XX/XX/19 only to be told that my account is restricted until I upload a copy of my drivers license. Well, working in Fraud Management for a large credit union, I know that PayPal had a data breach within the last two years, so I did not feel confident uploading this information on there website. 

So I decided to call PayPal, I spent well over an hour trying to resolve the issue today during my lunch break. I was passed around to a few different agents as I explained that I didn't want to upload a drivers license. Being that I had to get back to my full time job I abandoned the lack of support I got from Paypal. Every associate was rude and one even insinuated that I was wasting time by not letting her transfer me to the next person. 

Upon returning home this evening, I decided it would probably be quickest to just refund the customer and request them to reprocess their payment. After refunding the customer leaving my PayPal with a XXXX Balance, I called PayPal to close my account. I have been on the phone now for 1 hour 31mins. They will not let me " close '' my account without providing my drivers license. They will not let me remove banking information ( debit card/ account numbers ) without providing my drivers license. They have compleletly taking my information hostage until I provide the my drivers license. I have now completed my call and at 1 hour 46 mins 04 sec the supervisors tells me there is nothing that can be done, my information will remain in the system and the will NOT close my account without providing a drivers license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
company called about a time-barred auto loan debt where last payment was made over 10 years ago ( a time-barred debt ). 

1 ) lied to about name of company ( was told it was XXXX  ). after I recontacted them, was told it is XXXX XXXX ) lied to about this being a time-barred debt. they specifically said it is NOT a time-barred debt. This is in violation of federal FDCPA regulations. 

number they called me from : ( XXXX ) XXXX their information online : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting my account flagged for the following National Credit Adjust Balance date XX/XX/XXXX Balance {$370.00} I have tried to reach the company many times they do not answer the agents hang up they will not look into my account. This is not my debt I have not opened any accounts or have been late paying anything for a long time.

They refuse to take this off and they do not want to provide me with any information to prove that it is mine.

Company response to consumer: Closed with explanation