BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Bread Financial Holdings, Inc.
State: WA
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:
XX/XX/2023 - I recieved a 30 days past due flag on XXXX. 
XX/XX/2023 - The bank confirmed that there was an clerical error on their end. The bank confirmed that they will be sending a negative retracting credit report letting out regarding there was an error with the bank. They would also send me a letter within 7-10 business days. 
XX/XX/2023 - The Branch Manager confirmed the payment issue was fixed and confirmed they would be sending the credit card company a negative retraction demand due to bank error. 
XX/XX/2023 - A call with the bank confirmed they are still working on sending a letter to me. 
XX/XX/2023 - The bank confirmed that the letter went out two days ago and would arrive in a few days. 
XX/XX/2023 - I called Comenity Bank to ask if they had received the letter from the bank. They confirmed they have NOT. I asked if they would accept an emailed copy or faxed copy. They instructed me to send a copy out to XXXX XXXX XXXX XXXX Ohio XXXX. 
An online dispute had been opened with XXXX. 
XXXX Letter sent to Comenity Bank . 
XXXX Recieved a notification that Dispute Results were Ready and there was no change. I called Comenity Bank at XXXX. The representative confirmed that the letter was received. The representative informed me that they will not remove the negative information off my credit report. I let her know there was a clerical bank error and that the bank sent in a letter. The represenatative stated that they would not remove the negative remark but would offer me a credit on the account for my inconviencence. I declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
CFPB CASE # XXXX I have received my LexisNexis report and the items previously disputed are currently still reporting these inaccuracies. I have disputed the inaccuracies your agency is reporting attached to my social security number. I am Requesting that LexisNexis furnish notification of the deletion of disputed information for bankruptcies reporting inaccuracies due to not matching information found in the Pacer records. I am requesting that this information be immediately removed and deleted from my public records. Case numbers XXXX, XXXX, XXXX, and XXXX : The discharge dates, Case numbers, and filing dates do not reflect the information found in the Pacer court system. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am requesting documentation of the information deleted from my public records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX XX/XX/2023 cash app Cash app is misrepresenting their services and are not making the proper changes in a timely manner, I spoke with 4 representatives due to an issue that is solely based on a discrepancy with cash app system I had funds transferred in order to handle my bills and personal matters and they are illegally holding my funds and not allowing me to make the proper transfers to my bank. A representative told me there was no issue on my end and proceeded to lock my account forcing me to a account hold which in these times which in many ways is deceptive and inconsiderate of the. Consumer then seek to bind me to a investigative period when I am told the issue is not on my end and I have matters personally that must be attended to. Cash app should diligently release my funds to me. The funds are rightfully and legally mine. 
The Dodd-Frank Act prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) by financial institutions, including peer-to-peer payment apps like Cash App. Examples of UDAAP include : Misrepresenting the terms or costs of a financial product or service. 
Charging fees without disclosing them properly or in advance. 
Making unauthorized charges or withdrawals from a user 's account. 
Failing to investigate and correct errors in a timely manner. 
Using harassing or threatening collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing to formally express my deep dissatisfaction with the handling of my dispute involving two payments of {$50.00} each, made to XXXX XXXX on XX/XX/2023, for a service that was never rendered. 

Upon realizing that I would not receive the services I had paid for, I promptly requested a refund from XXXX XXXX. She assured me verbally and in written correspondence that she would process the refund. However, despite her assurances, she failed to return the funds to my account. 

In my pursuit of resolving this matter, I reached out to Suncoast Credit Union, my financial institution, and provided all relevant details. I requested to include the correspondence from XXXX XXXX confirming her agreement to refund me. I was taken aback when my dispute was denied, with the reason given being that the transaction was executed via XXXX XXXX, and as such, I should adhere to XXXX XXXX  terms of service. 

I would like to point out, as per XXXX XXXX 's terms and conditions under section " 5. Dispute Resolution, '' that dispute resolution rights are determined by the funding source used for the transaction. The terms explicitly mention, " Your dispute resolution rights are determined by the funding source used to fund the applicable transaction. '' In this case, Suncoast Credit Union is the funding source for my account. 

I am deeply disappointed by the oversight and misinterpretation of both the XXXX XXXX 's policy and Suncoast Credit Union 's own dispute resolution procedures. As a loyal member of Suncoast Credit Union, I had confidence that my concerns would be addressed with care, precision, and fairness. 

To rectify this situation, I kindly request the following : A comprehensive review of my dispute, taking into consideration the evidence. Suncoast has not allowed me to submit any documents including the correspondence from XXXX XXXX. 
Based on the dispute resolution rights of Suncoast Credit Union, I request a resolution that aligns with my rightful claim. 
A formal acknowledgment of this complaint and assurance that steps will be taken to prevent such oversight in the future, ensuring that other customers do not encounter similar difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-08-23
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit card in the mail on XX/XX/23. It was sent to my old address that I still have mail forwarding on so it was forwarded to my current address. I immediately pulled my credit report. I called and told Chase that I did not apply for any credit card with them and they closed the account. The account is listed on all XXXX credit bureaus with a {$140.00} balance reported. I have disputed the account with all XXXX bureaus. The representative that I spoke with on XX/XX/23 at Chase ( XXXX XXXX said that the balance was {$200.00}. There were no hard inquiries on XXXX or XXXX. There was a hard inquiry on XXXX. I put a credit freeze and fraud alert on all XXXX bureaus on XX/XX/23. I called XXXX on XX/XX/23 and disputed the hard inquiry. They removed. On XX/XX/23, I received an email that the account was listed on XXXX. I called and filed another dispute to have that account removed. On XX/XX/23, I received a letter from Chase that they closed the account and were investigating. On XX/XX/23, I mailed a request to Chase to provide a copy of the application that includes a summary of all of the relevant information about the credit card account that was opened in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am submitting a new complaint because TD Auto Finance has not provided me for an adequate response. So I will put it plainly : The TD Auto Finance website granted me a month extension took my money and added additional interest rate payments to my account. After the fact, TD Auto Finance reneged on the extension that the website granted, while still charging me an additional interest rate for the extension. 

The person who responded to my last complaint claimed falsely that they tried to reach out to me. I received no voicemails or phone calls from them. 

TD Auto Finance made an error and is charging me money for the error that they made, in violation of their own agreement. 

I tried multiple times to fix this using their customer service, however, every time I called the number provided, I was sent to voicemail. The calls were then returned by blocked phone numbers which were flagged as spam by my cell service carrier. 

I would like TD Auto Finance to be held accountable for their mistake and to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-08-23
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
While visiting in Colorado, I suffered an injury to my XXXX which required XXXX and XXXX. I have insurance ( XXXX through XXXX XXXX ) through the state of New Mexico which covers me out-of-state IF I am treated at an urgent care center, emergency room, or hospital. 

I do not understand why XXXX XXXX continues to have unpaid bills for me. I am not even sure where it is just doctors, or the hospital itself, or who they say I still owe. I have heard several different amounts being reported. There was a form that needed/needs to be signed and this was given to them. 

This has now been made more difficult because they have turned me over to a collection agency. I got repeated phone calls from the hospital and now from PFC USA ( Professional Finance Company, PFC USA, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CO, XXXX ). I have talked with my insurance company. They are trying to help, but nothing is being resolved. I have explained to everyone I HAVE INSURANCE, but of course, they just want the bill paid. I have always been very diligent about my bills, my accounts, etc. and have maintained an excellent credit standing before college, through college, and now after. I was very disheartened to learn of a XXXX point drop in my credit score. 

Please help me.

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 2023-08-24
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was told, by an influencer that they had a big lawsuit. I want my portions, so they said to make a complaint with Wells Fargo. When I was married, money constantly came up missing and all the fees we paid.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XX/XX/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, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX Balance {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is 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 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 2023-08-24
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX XXXX XXXX called Discover Card services, using my name and social security number without my permission, requesting changes to my Discover Card account. 

XXXX requested a limit change. 

By doing so, the balance was changed from {$5000.00} to {$1800.00}. 

Discover allowed this malicious person to make changes without verifying any information to confirm my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 
Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX XXXX. Account Number : 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 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 to any 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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been getting contacted by a company stating that I owe them money and u don't know who there are nor owe them any money. I've emailed the bureaus letting them know that this identity theft but no actions have been taken by them. I sent mail to all three bureaus on XX/XX/XXXX & XX/XX/XXXX. below would have a file attached with the companies that have been harassing me. 

Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft.

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 2023-03-01
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:
I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file.

2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report.

3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved by deletion of account immediately for which this is the XXXX attempt for your company to provide all requested information. This company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.

According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all XXXX agencies this account has been reported which are as follow : XXXX, Experian, XXXX. All XXXX must show accuracy from verified and validated the reported update accounts or deletion of account.

Company response to consumer: Closed with non-monetary relief