BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Today I noticed I have had a recurring charge of {$19.00} each month on my credit card statement from Transunion since XX/XX/18. I did not request any services from transunion. The only email correspondence I have from them is from XX/XX/18 when I requested they unfreeze my account as I was shopping for a mortgage at the time. According to my transunion account online the charges were for account monitoring. I can only assume that they signed me up for this in the fine print of the contract for unfreezing my information. Today I called them to cancel and request a refund. First they tried to sell me the product I had already been paying for, then they told me I could only receive a refund for the latest charge. I asked for the manager who came on the line and without actually saying it told me the only way I could get the refund was to claim it was fraud. Which results in them locking out my information from anyone looking online. Doing that resulted in my getting a complete refund.

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 2022-02-05
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I advised representative I didn't recognize some of the charges on the account. I asked for a debt validation letter was never sent. Also reporting account as open on my credit report. If the account has been charged off should not be reporting as an open account that is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX National Credit system , Inc was contacted about a letter received in the mail about a debt for the amount of XXXX. XXXX was the person responsible for the account. When, i was transferred i was connected to her. As, the representative she was the one handling my case. We talked on the phone about the the debt owed to the XXXX XXXX then I informed her after looking at the charge statement that there were discrepancy and inaccurate information reported from the XXXX  XXXX XXXX. When, this was mention to XXXX XXXX she kept referring me to the lease agreement and kept telling me that I still have to pay the debt even if what they are reporting is false. Also, when asked for a more details charge statement XXXX was unable to provide the documents claims. 
However, a proper noticed was given to the XXXX XXXX in which they Summit falsified information to the collection. In they are telling me to pay and that their client have a right to whatever charge and i have to pay. I explained to her that a written notice was given and the correct move out date which was XX/XX/XXXX. 

After, that I kept asking for a better explanation to properly understand the charges XXXX proceeded to tell me " she was not going to keep going back and forth with me because has already explained to me ''. Which, was when I told her " I'm not going back and forth with you because I'm trying to understand these charges which are not making any sense to me '' then she said " yes you are, '' then I said " I'm trying to understand these charges, ''. 

However, the conversation carried on in which XXXX started to become very unprofessional, rude, emotional and condocending. Then, proceeded to abruptly disconnect the call. 
She also brought up that " they were her clients '' and I replied back " Yes, they are your clients so your going to do everything you can to get me to pay even if its false, so you are bias in this matter because your not her for me but for your client. She She told me I was taking this personal and making this personal. In, which I had to say " no I'm not, '' again. I, then told her that I'm trying to understand charges. I'm being told to to include late fee in the amount but it is included in the statement charge. 
On top of that when asked for a detailed statement she said she has to contact her client for them to properly confirm but if that was the case the settlement would be no more and it could more to pay for me. Also, to send in documents and a letter about the charges. She then proceeded to escalate the the dispute when I did not give consent or direct permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Experian Information Solutions 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:
I reached out to XXXX, XXXX and Experian about some inquiries that i had just noticioed on my credit report that I DID NOT AUTHORIZE. XXXX, XXXX and Experian all told me to reach out to the companies that reported the inquiries. I did that. The companoes told me that there was nothing they could do about it and to speak with the credit beauruas. No one is trying to help me mean while these inquiries are on my credit trpoert without my authorization. The credit beuarues are suppose to do a thourough investigation but have not sone so. This is hindering me from living life. I am requesting that you look into this mattter and have the following inquiries removed AS SOON AS POSSIBL : XXXX XXXX XXXX ( X/XX/2016 ) XXXX XXXX XXXX XXXX ( X/XX/2016 & X/X/2016 ) XXXX XXXX ( X/XX/2016 ) XXXX XXXX XXXX XXXX ( X/XX/2016 & X/X/2016 ) .XXXX XXXX XXXX ( X/X/2016 )

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 2022-02-05
Company: Experian Information Solutions Inc.
State: IN
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 about XX/XX/XXXX, XXXX submitted an inquiry to all 3 credit bureaus Experian, XXXX, and XXXX. The inquiry dropped consumer 's score 38 points, affecting consumer 's credit worthiness and accuracy. The inquiry is an error and inaccurate. During the time between XX/XX/XXXX and XX/XX/XXXX there was an application submitted to XXXX for updating the account to postpone payments putting the account in deferral status. The deferment began from XX/XX/XXXX to XX/XX/XXXX. This deferment also applies to any delinquency on the account and has been addressed with a separate forbearance. FCRA is a federal law enacted in XXXX to promote the accuracy, fairness, relevancy, and privacy of consumer information in the file of credit reporting agencies. As with any regulation it is important to ensure compliance with the law and regulations to avoid violations and liability. Consumer was not made aware in writing of any late fees or late payments. Nor was it made clear and conspicuous that there would be an inquiry made to consumer 's report that XXXX would flag accounts as 90 days past due. This is false misleading and deceptive practices. Consumer has never given any written or expressed consent EXPERIAN, XXXX, or XXXX of written instruction to furnish any information on my consumer reports which is a violation of 15 USC 1681b and 15 USC 1681 ( a ) ( 2 ) " Permissible purposes of consumer reports. The following accounts were never past due or late and should be listed in good standing as previous to consumer 's score dropping 38 points. Experian reports 2 accounts with XXXX as having 1 late payment, but then says its 90 days past due. These inquiries are completely inaccurate. XXXX made the late payment inquiry the same day they reapproved the deferment. The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. False representations or deceptive means. A debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning 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 explanation
Consumer complaint received 2019-09-30
Company: WELLS FARGO & COMPANY
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:
The bank assessed a {$35.00} overdraft fee and is refusing to waive it because of a debit card purchase that posted to my account nearly one week later. This debit card purchase is not recurring and debit card overdraft services are not enrolled.

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 2018-01-03
Company: BB&T CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I went to a XXXX XXXX to buy a car. I came to find out the salesperson used deceptive and fraudulent tactics to obtain the sell which caused personal and credit damages to me. I do n't have the means to pursue them finically so I have never filed anything against them. 

I was initially denied the car because of my credit, even with my mother cosigning. The following day the salesperson called me said he found a way to get me approved. So I went to the dealership to sign the papers and drive off in my car. When I got my first bill for the car the statement it was far from what I and the sale person agreed upon. I took a look at the papers they gave me and my personal info was incorrect and the price was incorrect. I came to find out the salesperson change letters around in my name and added false info to me and my mother applicant to get me approved. I called the finical company and told them the situation. I asked to return the car but the operator could n't give me a straight answer on how the process worked. I got frustrated and hung up and called to get another operator, I told the operator the same situation and that I could n't afford the car and the information was false. I would just like to return the car to the dealership, the person threating that I would still have to pay for the balance left of the car even tho I did n't make one payment and the sale person add fraudulent information to my application. After not paying a payment on the car eventually, the repo person came and pick the car up. I thought the situation was taken care because I did n't hear from them after they came and got the car. I recently notice info on my credit as well they have taken legal action against my mother.

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 2022-02-05
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I received a email notification from HaIsted Financial Collection with an attempt to collect on a satisfied account for the Home Shopping Network. In dealing directly XXXX and the original creditor directly XXXX XXXX  who issued the HSN card the original account number confirmed by XXXX collection and XXXX XXXXHSN Card ended in XXXX with reference number XXXX by which a settlement agreement to satisfy all outstanding fees to HSN in the amount of {$340.00} which was paid via money order on XX/XX/XXXX. Please see attachment. I do not owe this debt Halsted Financial is attempting to collect upon for XXXX XXXX XXXX who is not the original creditor for HSN. I do not owe this debt and this is a fraudulent attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: WHEELS FINANCIAL GROUP, LLC.
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 status incorrect

Complaint:
I couldnt afford to make the payment because I was making payments and it was not going towards the principal. Instead the balance kept rising. So I decided to surrender the car in XX/XX/XXXX. They sold it in XX/XX/XXXX. They never sent me a repo letter. Also they never adjusted the balance. Also on my report its still saying open and that I was making payments. So I checked my credit XX/XX/XXXX and it says I missed a payment which caused my credit score to drop 38points. They never contact me a bout the vehicle once it was sold I had to call and request documentation. And on the document it says something totally different from the credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, 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:
I reached out to XXXX, Equifax and XXXX about some inquiries that i had just noticioed on my credit report that I DID NOT AUTHORIZE. XXXX, Equifax and XXXX all told me to reach out to the companies that reported the inquiries. I did that. The companoes told me that there was nothing they could do about it and to speak with the credit beauruas. No one is trying to help me mean while these inquiries are on my credit trpoert without my authorization. The credit beuarues are suppose to do a thourough investigation but have not sone so. This is hindering me from living life. I am requesting that you look into this mattter and have the following inquiries removed AS SOON AS POSSIBL : XXXX XXXX XXXX ( XXXX/XXXX/2016 ) XXXXXXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) XXXX XXXX ( XXXX/XXXX/2016 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) .XXXX XXXX XXXX ( XXXX/XXXX/2016 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Dear Sir/Madam, This is to report that TD Bank has created multiple accounts under my name and sent out credit card, ATM cards etc without my knowledge. 

Please take necessary steps to stop this fraud activity, take actions against those who are behind this fraud. 

Let me get an update, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: FL
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:
I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Experian in violation of Federal Law. Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX NA Date of inquiry : XX/XX/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 Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX CAP XXXX NA Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The following account is not mine XXXX XXXX Account Number : 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 2022-02-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On XX/XX/XXXX I deposited a check from my school into my checking account via Wells Fargos mobile bank deposit. 
On XX/XX/XXXX My car was broken into where the check was located and it was stolen. 
On XX/XX/XXXX Wells Fargo notified me that the check had been deposited twice and the amount of the check was debited from my checking account. I immediately filed a claim/dispute. I also filed a police report because I did not know anything was stolen from my vehicle until they notified me that the check was deposited more than once. 
On XX/XX/XXXX I received notification of the resolution of my claim. Which only stated that my check had been deposited into another Wells Fargo customers account and they would not be restoring the funds to my account. I called and escalated the claim and they told me since my initial deposit was via mobile deposit and the second deposit was using the physical check there was nothing that they could do. Even though the check was written out to me and endorsed by me and matching the name on my bank account. 
It is now XX/XX/XXXX and Ive tried to escalate multiple times offering to provide proof of the police report and everything and I just keep getting the same response. Wells Fargo was my first bank and Ive been with them since XXXX. Absolutely disgusted with how they have handled this situation

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 2022-02-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased items from their website. The items werent as described and then they double charged me. I returned everything. They are saying they never received the items and now they said my account is significantly passed due. I never got a bill and they wont credit the account and the bank that has the card account wont help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I still have tax Leins on my credit reports, that should have been remove by XXXX XXXX, 2017. They have aready been released from trans Union an XXXX, but no matter how hard I try to get them remove them they wo n't. I guess the credit bureaus are above the law. I have but up a hard fight to correct my credit, but feel I 'm fighting a losing battle. I 'm just the little guy trying to get things corrected, it 's not like I 'm asking for any favors. I just want them to follow the law, which I 've done extensive research on. I am XXXX and should n't be made to undergo this much stress.

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 2018-01-03
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:
In XXXX XXXX, I went to the Equifax website after receiving my credit report electronically and noticed the extreme amount of inquiries on there. I had filed a dispute to remove them because I did not give authorization to run my credit nor are they associated with any active and opened accounts. Also, some of these inquiries had no creditor contact. I was informed that they will not be removed. The inquiries are as followed : XXXX XXXX-Inquiry :XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX/XXXX XXXX -Inquiry : XX/XX/XXXX. XXXX XXXX- Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX-Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Date : XX/XX/2022 NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX Texas XXXX American Express XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York, NY XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED OF DENIAL XX/XX/2022 Recently, I, XXXX XXXX XXXX, was denied an extension of credit by American Express. On XX/XX/2022 you submitted credit card application, I applied for BLUE CASH PREFERRED ( SM ), GOLD CARD FROM AMERICAN EXPRESS, PLATINUM CARD. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation