BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Payoff process

Complaint:
Synchrony Bank, which administers the QVC " Q '' Credit Card, payment website is set up to be deliberately misleading to consumers paying a bill. When you get to the payment page the first question is how much do you want to pay ( statement balance, current balance, minimum payment, or other ). I selected current balance. Below that, it asks for the payment posting date. When you select a date, the payment amount automatically reverts to the minimum payment -- despite selecting to pay the statement in full. This is clearly a trick to get people to incur finance charges, which is what happened to me last month and I just saw it happen again today. I had to go back and edit the payment to select the full balance. Unless you check the payment afterwards you would n't know. It is a deceptive practice and cost me a finance charge. This is clearly unfair and deceptive.

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 2015-12-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I RECEIVED A PREAPPROVAL APPLICATION LETTER FROM BP OIL. WHEN I SUBMITTED MY ACCEPTANCE CERTIFICATE, I WAS DENIED AND A HARD CREDDIT INQUIRY WAS REPORT TO THE CREDIT BUREAU. I CONTACTED COMPANY REGARDING MISLEADING ADVERTISEMENT BECAUSE THE LETTER STATED PREAPPROVED. ALTHOUGH A CREDIT LIMIT WAS NOT DISCLOSED PRIOR TO OPTING TO ACCEPT PREAPPROVED CREDIT CARD OFFER, I WOULD HAVE NEVER INITIATED A CREDIT CARD APPLICATION, IF IT WAS NOT FOR THE STATED PREAPPROVAL ( NOT PREQUALIFIED ). THE CUSTOMER SERVICE AGENT SAID SHE HAD LIMITED INFORMATION TO RESOLVE MATTER AND DOCUMENTED MY CONCERN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Okay, there wasn't a way to put this on the previous screens... 

Hello! 

I called Plusfour Inc. to pay a debt to work toward fixing my credit. A friend said to make sure I get a physical letter stating it will be taken off my credit report.

When I spoke to someone at Plusfour they stated they will digitally take it off the credit bureaus, but a letter would be {$10.00}. When I stated it should be free, they said that is policy and they have been charging it for years. 

When I told my friend, he said it should be free, absolutely do not pay for a letter. 

So here I am asking what the law is and why {$10.00} is being charged for a letter that would take {$0.00} cents to mail. I live in the same city they are located, so I could even save them a stamp by picking it up. 

Plusfour Inc Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX Phone : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Security Credit Services, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Security Credit Services added a debit that is pass the statue of limitations. It appears they purchased my debt from tempoe/why not lease it which had the debt on my report for 7 years then it was removed. Security credit service added it back and when i try to contact them i dont get any response. They are not the original owner of the collection. They also list payments that was never made. They said i made a payment of {$220.00} but i have not aid anything. The original amount was {$1300.00} and that is the current balance so that shows no payments was made. Also they are making false statments about me being late when i didnt even know anything about them having the collection or that i was supposed to make a payment so how can it be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
On XX/XX/2022 we received a transfer of XXXX ( british pounds ) into our checking account at U.S. Bank. The transfer arrived between XXXX and XXXX Central time. 

The exchange rate from pounds to dollars on XX/XX/XXXX had a high of 1.3418 and a low of 1.3318. So we should have received between {$130000.00} and {$130000.00}. We received {$120000.00} or an exchange rate of about 1.2960. In our view, depending on the rate at actual exchange we are {$3500.00} to {$4500.00} short on this transaction.

So this equals a 2 % -3 % fee on top of the {$25.00} transaction fee that U.S. Bank charged us for this terrible exchange rate. 

I called the bank to complain and I was told that " the rates you see on financial websites aren't what you receive, those are what banks receive ''. I told this person that was not true as I exchange currency at other banks and venues within a few basis points of the exchange rate regularly. So they then explained that they don't actually exchange the currency, they use an intermediary bank and there is nothing that can be done. 

I submitted a complaint to the bank on XXXX via their website and someone responded on XXXX to say she would forward the complaint to the appropriate person but there was not guarantee I would receive a response and I never have. 

This exchange rate is borderline criminal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I filed disputes with Barclaycard Master card on XX/XX/2016. First after 3 months they just closed the dispute then reopened it when I called about it and then closed it again after another 2 months. They felt the merchant was in the right. I do n't feel they fairly represented me the customer. They never even bothered to give me a call. All calls were initiated by me and I never got what I felt were fair responses. I had provided them with a lot of information to prove my disputes but they showed me nothing the merchant provided to prove me wrong. I was left with the impression that they just did not want to take the time to follow through with my disputes since it involved a lot of money. My other Credit Card companies took far less information and found in my favor. They did not even offer arbitration.

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 2022-03-22
Company: EQUIFAX, INC.
State: DE
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for CareCredit card to pay for dental expenses with no interest if paid on time. I was on auto pay so as not to be late or miss a payment. I was charged more then {$74.00} in interest. Care Credit said the 6 month period was just a promotion. Why would I sign up for a credit card that charges 26.99 % interest, I already have a regular credit card with 14 % I would have used that? Dental offices, etc. promote this card as a way to pay for medical expenses not covered by insurance, easing the financial burden by having free interest for 6 months. It was presented to me as a way to pay for my dental expenses interest free always as long as I paid each bill on time and within 6 months.

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 2022-07-16
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Back in XX/XX/XXXX, someone tried to open a XXXX XXXX account under my maiden name : XXXX XXXX XXXX XXXX caught within 24 hours and voided the request. 

Today, XX/XX/XXXX, another person attempted to open a bank account with TDBank. The account request was only a few hours old and was likely opened under my maiden name based on the email that was used. 

They caught within 24 hours and closed the request.

I have since used the credit agency apps to lock my credit score manually to avoid further accounts from being opened without authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: GA
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 XXXX has violated my rights 15 USC 1681 Section 602 8 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a Consumer reporting agency can not furnish my account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed these accounts numerous times with Equifax ; 1. XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$130000.00} ) 2. XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1300.00} ) 3. XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$3000.00}, Original Creditor Name XXXX XXXX XXXX ) As allow by the FDCA I asked experian to provide me with the method of verification or with any proof that shows that they verify this accounts but to this day they have ignored the law and failed to answer to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Regional Management Corporation
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I currently went through a major financial life change A divorce Ive tried working with the company I informed them Im using a debt consolidation company I currently work from home I have multiple zoom and teams meetings per day Ive asked them not to call back to back They state they have a right because its my cell My office sent all employees home to work due to covid 2 years ago so this serves as my office phone as well XXXX particularly is extremely unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
i was a victim of wire fraud last XXXX. I recently arrived in the country and I tried to rent a property. The renter founded on the realtor webpage required a deposit and rental. I sent him the money by XXXX last Wednesday and XXXX XXXX XXXX It turns out the house was not his and other people have rented the house. The money was sent with your service- XXXX- so I kindly tried calling Bank of America several times today with no response and i also went physically to an agency to look for help- nobody helped me. I have filed a police report locally and with the FBI. Please help me! 

XXXX XXXX XXXX de 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 explanation
Consumer complaint received 2019-05-16
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: Information belongs to someone else

Complaint:
Fraudulent account XXXX XXXX open XX/XX/XXXX
Amount XXXX  Fraudulent account XXXX XXXX open XX/XX/XXXX Amount 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 2022-03-22
Company: T.S. Holdings
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a spam call from XXXX XXXX XXXX. He called to collect a debt on behalf of IQ Data International , Inc.. When I requested to have an invoice sent to me via email, he claimed that he could not grant my request but can tell me over the phone questions about my invoice and an invoice was sent to another address. I explained that I do not know him or feel he is trustworthy to rely accurate information. His call was spammed. He became very rude, speaking over me and threatening. IQ Data International , Inc is pulling my personal and private information unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America has made it very difficult to access funds direct-deposited into my checking account. I recently had to travel across the country to deal with a family death, and wanted to move some funds to a credit union I 've been a member of for decades. That way I could avoid traveling with a large amount of cash, and would have access to the funds at a familiar location at my destination. My first plan was to write a check on my Bank of America account and deposit it to my credit union, in time for it to clear before my arrival. However, BANK OF AMERICA HAS NEVER SENT ME A SET OF CHECKS FOR THIS ACCOUNT. I am perplexed as to how a " checking account '' does not come with checks. Next I looked into transferring funds, but Bank of America charges {$3.00} to transfer funds to another institution. I have never encountered such a fee. As I prepared to leave town, I started to panic that I would not have money when I got there. Finally, going through all my new-account materials, I found one single temporary check that looked fake and unofficial, and used it for lack of other options. Meanwhile, I did n't realize that my wife tried to help me out of the stressful situation by withdrawing from a Bank of America ATM near her office, and deposited the cash into our credit union immediately before I left. Had I known that day, I would have stopped the temporary check, but I did n't know we had duplicated efforts for a day or two. The temporary check bounced and Bank of America assessed a {$35.00} fee for the returned check. When we discovered the problem we immediately made a big deposit into the Bank of America account to cover it and ensure the account is in good status. Then I contacted Bank of America to explain how it occurred, and asked them to waive the fee. The Bank refused, and still has not sent me pre-printed checks for this checking account. Bank of America seems to set its customers up for failure by making it difficult to transact without fees. So I am asking the CFPB 's help. Thank you.

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 2022-03-22
Company: CAINE & WEINER COMPANY, INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account Number : XXXX Please remove 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 non-monetary relief
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent letters to each bureau. I have not received a response yet. I feel like I'm being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation