BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, On the week of XX/XX/XXXX, I had XXXX $ Wiped from my account on Wells Fargo. XXXX $ was done through my debit card using XXXX XXXX, and the other XXXX $ was from XXXX. My roommate who had access through my phone, knowing my password and also had her XXXX XXXX in my phone as well, got into my accounts and sent all of the money to people she knew. I instantly called Wells Fargo once she left and left me a note, I filed claims. My claim for XXXX, and a separate claim through XXXX, which I was told I would be getting the full amount back as soon as the transactions posted, and was never told I needed to file a separate claim for the XXXX transactions. After about a week, I got an email saying that my claim was APPROVED for the debit card transactions. When money is sent on XXXX XXXX, you must use a XXXX XXXX. I call back today XXXX to get a check up on the XXXX transactions. They said the claim was denied because XXXXXXXX XXXX was used to log in. This makes no sense because they approved one claim when XXXX XXXX was used and not the other. She had her XXXX XXXX  in my phone so she could access anything. I want my XXXX $ back and this to be reversed, this is not fair to approve one and deny the other.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 wit the fair credit reporting act XXXX XXXX XXXX account number XXXX, XXXX XXXX Account XXXX XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXXXXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXXXXXX XXXX XXXX  Account # XXXX ; XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX XXXX  Account # XXXX ; 15 USC 1681 Section 602A States I have right to privacy. 

15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction. ;

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 2022-09-28
Company: SYNCHRONY FINANCIAL
State: FL
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 XX/XX/2022 I was hit with over {$9000.00} in fraud charges from XXXX thru Paypal. The fraud hit several cards, and my bank account. 

I have provided proof from XXXX that the charges are indeed unauthorized. My bank and other cards have resolved this months ago ; however, Synchrony Bank will not remove the charges. Moreover they are charging interest. 

I have attempted to contact Synchrony Back ad nauseam. They will not correct this matter even though I've sent proof that charges were unauthorized. 

Please Help!!!

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 2022-12-12
Company: TD BANK US HOLDING COMPANY
State: AL
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:
15 USC 1681 Section 602 state I have the right of privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. 

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Delete this XXXX XXXX XXXX  chargeoff for reporting inaccurate information date of last activity shows XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) and no date for Experian. All three bureaus are reporting different dates. Thanks

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 2022-12-12
Company: Experian Information Solutions Inc.
State: TN
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 XX/XX/XXXX I contacted Experian about the following negative accounts XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$7500.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$7800.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$11000.00} ), XXXX  XXXX Bankruptcy ( Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$4000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: TX
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 XXXX. ) Account # XXXX XXXXXXXX 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 XXXXXXXX, 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 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 2022-12-12
Company: Torriere Holdings INC
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I submitted a dispute, received notice that they received my dispute on XX/XX/22 and yet they keep repeatedly calling my place of work. I have responded to the email request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 was told to file a complaint here also XXXX XXXX XXXX reference number XXXX inquiry was a fraudulent process in my name and ssn info XX/XX/2022 and needs to be investigated and removed and hold the person responsible accountable

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 2022-07-29
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX XXXX please remove fraudulent/ unauthorized closed account off my report or provide proof in writing within 30 days

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 2022-09-28
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Exeter Finance Corp.
State: NV
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX, account closed. XXXX XXXX opium, settled in court in XXXX. Now being harassed by PORTFOLIO RECOVERY ACCOCIATES whom I never gave personal information or permission. 
15 U.S. Code 1681s-2- Responsibilities of Furnishers of information to consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: HW Holding, Inc
State: MO
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 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I have attached a screen shot of a XXXX account reporting inaccuracies to all three of my credit bureaus and almost everything single line is reporting something different to all three bureaus. If anything is being reported to my credit bureaus it should be reporting 100 % accurate per the FCRA. This needs to be deleted ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: FREEDOM FINANCIAL NETWORK
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I started using Freedom Debt Relief on XX/XX/XXXX. 
I closed my account with them on XX/XX/XXXX. 
I believe I've been charged fees for debts not settled and other extra fees. 
XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) unsettled debt, XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXXXXXX ) Claimed they had settled a debt on XX/XX/XXXX, and charged me a debt settlement fee of XXXX. On XX/XX/XXXX, I found out that it had never been settled. I asked for a letter stating that the debt had been settled. FDR sent me a paper twice but it wasn't proof of settlement. The third time I called them, I was given a hard time. These fees and a lot of other smaller fees were charged to me also. I really feel like this company was deceptive to me when I signed up for the program. I would never suggest this to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX Citibank closed my checking account with no notice. On XX/XX/XXXX I contacted CitiBank and was transferred to the fraud department where they said that my account had been marked for closure but they could not tell me why. I asked at that time what will happen with the funds I have available in the account ( which was about {$200.00} ) and they stated that there was a note on my account saying " do not issue ''. I asked why and the customer service rep could not tell me. I asked could I speak to a manager and he stated there wasn't one. Later that morning I received two emails from CitiBank stating that my account would be closed and that no further withdrawals or deposits would be accepted. I work for the government and on XX/XX/XXXX my direct deposit ( just over {$1200.00} ) from my pay went to the CitiBank account. There was not enough time between when my account was " marked for closure '' and when my pay was released from XXXX to stop the direct deposit from going to that account. I was told by XXXX on XX/XX/XXXX that the funds had not been returned from CitiBank. On XX/XX/XXXX I contacted CitiBank to ask about the direct deposit. I was told by the customer service rep that she could see the XXXX deposit and she needed to transfer me to the fraud department. I have been on hold with the fraud department for hours with no resolution. The email from Cititbank that I received on XX/XX/XXXX states that no direct deposits could be received to that account. In that case, my pay from XXXX should have been rejected and sent back to XXXX and not deposited into that " closed '' account. I just want my available balance, which should be around {$1400.00} returned to me. I have had no luck so far. I have worked hard for my money and I desperately need access to my funds.

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 2022-12-12
Company: OneMain Finance Corporation
State: OH
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 have hard inquiries on my credit report that I dont recognize that I never seen before I didnt authorize anyone to pull my credit report and is affecting my credit negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: DISCOVER BANK
State: OH
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 have hard inquiries on my credit report that I dont recognize that I never seen before I didnt authorize anyone to pull my credit report and is affecting my credit negatively

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continue to get calls from Portfolio Recovery Assoc. and from a variety of phone numbers from different states. I recently moved from XXXX  to XXXX  to live with my family. The XXXX  law says an out-of-state collection agency must maintain a physical presence in their state in order to collect debt. This business does not physically have a business in XXXX.

XXXX  Debt Collection Laws ( B ) A collection agency with a place of business in this state may take an assignment of another persons accounts, bills, or other evidence of indebtedness in its own name for the purpose of billing, collecting, or filing suit in its own name as the real party in interest.

I believe this company can not collect a debt in XXXX  that was created in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
Creditor Agreed to remove it off my credit report and its still on there Bank of America {$500.00} collection already paid in full

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 2022-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was trying to make a Internet purchase earlier during the day to see that it kept declining my transaction. I log in to see that both my checking and my savings account were both closed down. I call them and they said they made the decision this morning and they didnt have to notify me that the account was closed down. I asked why the account was closed and they said they can close it at their discretion and they can close it whenever. I have been a customer since I was a teenager which is messed up. Yesterday I went to the physical bank because I just got a new digit card last week and my pin has not been working so they reset it at the branch and they didnt even say anything there Bank of America

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 2022-12-12
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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