BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: SYNCHRONY FINANCIAL
State: FL
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:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.

According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.

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 2023-12-22
Company: Zions Debt Holdings
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
{$7800.00} XXXXXXXX XXXX XXXX - Disputed Information and they did not remove from my credit report ZionDebtHol # XXXX - Account Number XXXX - Disputed information and it was not removed from my Credit Report

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Subject : Issue with Missing Welcoming Bonus Rewards Points on XXXX XXXX XXXX XXXX  I am writing to report an ongoing issue regarding the missing bonus rewards points on my XXXX XXXX XXXX XXXX  The credit card was opened on XX/XX/, under the promotion that I would receive XXXX bonus points if I spent {$3000.00} within the first 3 months. 

From my perspective, I took active measures to ensure I qualified for the bonus points. Starting from XX/XX/XXXX to XX/XX/, I contacted Wells Fargo and XXXX XXXX  multiple times via phone calls and email communication ( with evidence base ). During these interactions, I was consistently informed that I qualified for the XXXX points and that it would take 8-12 weeks for the points to be credited since XX/XX/. To ensure proper documentation, I also sent an email as evidence of our conversations. 

Despite my efforts, each time I reached out, I was either transferred to different departments or told that I was indeed qualified for the points. I persisted in my attempts to resolve the issue, hoping that the points would be credited. However, on XX/XX/, I decided to visit a physical store location and personally spoke with an agent to seek assistance in filing a case. To my surprise, after a week, I was told that I did not qualify for the points after they investigated my case. 

I want to emphasize that I spent more than {$3000.00} within the specified timeframe, which should have met the spending requirement to qualify for the bonus points. However, despite my expenditures exceeding the necessary threshold, the company stated that only {$2500.00} qualified for the promotion. 

However, I would like to emphasize that if I had been notified of my disqualification at the time of my active inquiry, I would have been able to effortlessly complete the required expenses for the promotion. 

This discrepancy between my actual spending and the amount they deemed eligible raises concerns about their communication and adherence to the terms and conditions of the promotion. It suggests a lack of transparency and clarity regarding how they determine qualified spending. 

I kindly request your assistance in addressing this matter and resolving the issue of the missing bonus reward points. I believe that the discrepancy lies in the miscommunication and contradictory information provided by Wells Fargo and XXXX XXXX. 

Thank you for your attention to this matter. Please let me know if any additional information is required to initiate an investigation or provide resolution.

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 2023-11-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased a vehicle from Toyota within three days. I had a major malfunction, and when I took the car immediately back to the dealer, they told me that I had to take a rental, and that they would fix the problem service called me and told me that they could not legally allow me to drive that car because it had an engine issue so I called the car dealership and I told them that I needed a vehicle. I needed them to correct the situation because they sold me a lemon or I was going to get my lawyer involved Two weeks goes by they called me in to the car dealership. They tell me theyre going to make the situation better and theyre going to fix it. They waste my time the first time the second time I come back and they told me that they were going to get me a new vehicle because again the first vehicle that they had sold me and did a loan on and all of that had a major engine issue and I could not have that vehicle so in order for them not to have to deal with a long drawn out legal process they were going to get me in another vehicle. I wanted to make sure that the vehicle that they got me in came with the same warranty as the first contract because the XXXXst vehicle that I purchased from Toyota had a two-year warranty. They assured me that it did the only difference and this new contract was that I was going to have to get gap insurance because it was a newer car well lets go to three months and after that, Ive had my car for three months and then I get a call from Toyota in XXXX is now telling me that I have to add a {$200.00} a month warranty to my vehicle Because they lied when they got me in the the second contract and never had a warranty on it to begin with so now they want my already high car payment to go up {$200.00} a month and I cant afford that so I let them know when I went to the car dealership what my budget was it wasnt my fault that they sold me a bad vehicle when I came back to figure out if I needed to pursue legal action .They assured me they would fix the situation sold me a vehicle and lied about the warranty the 2nd vehicle they sold without the warranty I was told and assured my used vehicle would come with They continue to try to XXXX me over. three months down the line by demanding I come up with like a {$3000.00} for a warranty or an additional {$200.00} a month but I can not afford. Ive called Toyota Ive called corporate. Ive called the car dealership they have service call me and explain to me that I dont have a warranty and that I need to go ahead and establish that I dont know who else to complain too. I wouldnt of agreed to a car note and warranty note I can not afford and then I have no one to complain or help fix this situation at Toyota

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit 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 was charged for goods I never received from XXXX XXXX XXXX. I reported it to the credit card company and they investigated. 10-12 investigations were done and I was told the case was closed in favor of the merchant. I have a letter from the merchant that will write off {$3000.00} dated XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX Called company because a late fee was applied to my account. A minimum payment of {$40.00} was due XX/XX/XXXX. I paid {$100.00} online through XXXX XXXX on XX/XX/XXXX and the payment cleared my account on XX/XX/XXXX. When I called the credit card company the customer service rep said the check was mailed by XXXX XXXX and Commenity did not post it until XX/XX/XXXX. She blamed the mail and I said I didn't believe it could take over XXXX XXXX  weeks for the payment to get from XXXX to XXXXXXXX XXXX. Therefore I was charged a {$28.00} late fee plus interest. It sounds like a scam to me. How am I supposed to feel comfortable making my payments not knowing if I am going to be charged another late fee. I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never come across something like this and feel they are operating in a unethical manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13
Company: EQUIFAX, 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:
IN ACCURATE INFORMATION ON CREDIT REPORT. DOES NOT BELONG TO ME. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$43000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: TN
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 XXXX  Account numbers : 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 has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: GA
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 corrected : XXXX XXXX Balance : {$180000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-07-04
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX  XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired XXXX XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021.

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 2023-05-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Inquired with local branch inside of XXXX grocery ( XXXX XXXX XXXX XXXX ) store about opening up a checking & savings account ( approx year 2013 ) I didnt have time to complete application but advised would complete at a later time. Provided basic info to bank associate but didnt fill out official forms nor sign any banking agreements. Later received a bank card and request to deposit monies. Account was created without my authorization

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 2023-10-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

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 2023-11-22
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2023, I encountered an individual online who, in the course of our interactions, introduced me to two cryptocurrency investment entities known as " XXXX '' and " XXXX. '' Given my limited knowledge and experience in the field of cryptocurrency, I placed my trust in this individual and followed their instructions accordingly. Consequently, I initiated a transfer of funds from my personal Key Bank account to an intermediary platform called XXXX, where the funds were subsequently converted into cryptocurrency and directed toward the wallet of the individual in question. It is important to note that this transfer was carried out under duress and based on false representations made by the individual. 
Subsequently, upon expressing my desire to withdraw the purported profits from my investment, I was informed by the aforementioned individual that I would need to satisfy a significant tax obligation. This particular development raised considerable suspicion and prompted me to exercise caution. Consequently, I decided not to comply with the request to pay the indicated tax. Regrettably, my refusal to fulfil this demand resulted in my expulsion from the platform and the subsequent blocking of my account. It is important to emphasize that these events transpired within the context of what can be perceived as an orchestrated scam. The individual who introduced me to the aforementioned cryptocurrency investment entities appeared to have engaged in coercive tactics and deliberately misled me to illicitly obtain funds. This unfortunate experience serves as a stark reminder of the need for due diligence and vigilance when navigating the complex realm of online investments, particularly within the cryptocurrency landscape. The total amount sent from my Key Bank account is XXXX USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced mortgage XX/XX/XXXX to remove PMI. XXXX XXXXSLS deliberately undercalculated my insurance premium ( which I didn't notice, of course ) and tacked the shortage onto my mortgage in XX/XX/XXXX. I opted to purchase cheaper coverage to try to get my mortgage closer to what it had been. I purchased a replacement policy XX/XX/XXXX to be effective XX/XX/XXXX. Somehow my existing insurance carrier cancelled my policy on XX/XX/XXXX, in spite of my request to continue coverage until XX/XX/XXXX. 
I sent the refund check I received from my previous carrier to SLS upon receipt using the letter sent to me by SLS ( which DOES NOT indicate endorsement is needed ) on XX/XX/XXXX to be delivered on XX/XX/XXXX via First Class mail. I received the check back with a letter saying that I needed to endorse the check on XX/XX/XXXX. This could have been avoided if those instructions were INCLUDED with the letter requesting the check. I received another letter the same date saying that I would be charged {$260.00} for insurance premium ( that was actually {$160.00} ) if I didn't provide proof of coverage from Branch and XXXX 's mishandling of the replacement policy and cancellation. Overall, SLS has been a nightmare and I regret ever doing business with 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 2023-04-01
Company: TD BANK US HOLDING COMPANY
State: VA
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 was checking my credit score. I noticed an alert. The alert said a new credit inquiry. I did not allow XXXX XXXX XXXX XXXX to run a credit report. This credit report was run on the same day I was notified of the alert, XX/XX/2023. 
Did not allow access. Did not allow permission. 
I want this New Inquiry removed immediately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
i never sign up for electronic billing, my acct show up late not paid on an e mail. purchase from XXXX and XXXX XXXX are not mine

Company response to consumer: Closed with explanation