BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have been approved for a card many many months ago. I have never received a card. They have said they have mailed several cards but they never arrive. I have even confirmed the correct address with them, but still nothing.

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 2023-01-16
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2022 XXXX XXXX opened up a collection. 
account number {$1400.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: MI
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:
The following alleged collection account is listed as having a PAST DUE BALANCE of $ XXXX This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Applied for a Title loan with TitleMax. We were approved for {$1100.00} only. The Employee that handle our paperwork however, lied to us about the interest rate. We were told there was no interest rate and that we would only have to pay the {$1100.00} back and late fees if we were late making a payment. We signed a paper contract with the employee. We continued to pay the company every month since XX/XX/2022. We ended up overpaying the company {$1200.00}, however our account balance never went down it remained the same. The employee who handle our paperwork, ended up leaving the company and there were several other complaints from other customers about the same thing. We were informed of this by other employees at the company. We have been receiving harassing phone calls, threatening to repossess our vehicle. We were told by one employee that they had a 300 % interest rate, and told by another that the interest rate was 15 %. We were bidded into this contract under false pretenses. We also spoke to an employee today via telephone and she informed us that our signatures wasn't on any of the paperwork. So basically we have been overpaying for months and being harassed for months from a company that doesn't even have any paperwork on us. We made payments online and in-person. We just really need help because the money we have been giving them could've been used on our XXXX children or us moving and finding a place. We are now on the verge of being homeless because we had to pay this company because we needed our vehicle for our children and our own personal health reasons as well. I've inserted screenshots of payments made on line from the Titlemax, the other payments were made in-person and paid in cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Activity on XX/XX/XXXX for the amount of : {$300.00} Action were taken : Called and talk to dispute personneldirectly on XX/XX/XXXX Called and talked to dispute personneldirectly on XX/XX/XXXX to follow up with the case. 
Purchase Adjustment credit on XX/XX/XXXX for {$200.00} Called and talked to dispute personneldirectly on XX/XX/XXXX to follow up with a short of {$100.00} of exitingdisputed. 
Writing a letterand mail to headquarteroffice in New York Submitted document online to complaint about exting dispute Called and talked to dispute personneldirectly on XX/XX/XXXX to followup with a short of {$100.00} of exitingdisputed. 
As of today XX/XX/XXXX my dispute is not resolve.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I signed a no over draft agreement and they were always overdrafting me charging me fees after fees it was a giant mess I was always scared to even look at my account.

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 2023-01-23
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo kept charging me fees after fees after fees without any explanation

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
in XXXX of 2020 my entire payment was withheld from me and i didnt receive my XXXX dollars

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was charged extra high interest fees etc ....

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 2023-04-28
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:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. 
This violation of the FAIR CREDIT REPORTING Act Section 1681b and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have two cards with XXXX XXXX XXXX One ending in XXXX has a {$1400.00} limit. The other ending in XXXX has a {$400.00} limit. 

None of these show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Outrageous fees that were charged. I had direct deposit set up. The acct was supposed to be free.

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 2023-01-23
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  OUTSOURCING FORWARDED A NOTICE ADVISING THEY ARE ATTEMPTING TO COLLECT A DEBT THAT HAS NOT BEEN VALIDATED. UPON THE INITIAL REQUEST, I INQUIRED ON THE VALIDITY OF THE DEBT. XXXX  THEN FORWARDED THE ATTACHED, WITH A DIFFERENT AMOUNT, DIFFERENT DATES, AND DIFFERENT LENDER. IT DOES NOT REFLECT WHAT IS CURRENTLY SHOWING ON THE XXXX CREDIT REPORT AND 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 explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have never applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Transunion is currently reporting " XXXX XXXX XXXX '' to my credit report, as of XX/XX/23 this account was reported as a collection or closed account. Although the collection agency and I have requested that it be deleted. The debt was paid in full. I've also submitted a dispute with Transunion, and nothing has changed unfortunately. It is against the law for Transunion to report incorrect information to my 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 2020-11-13
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX XXXX Paid, Closed. 

XXXX  XXXX {$7700.00} XXXX XXXX XXXX/XXXX XXXX {$640.00} XXXX/XXXX XXXX {$790.00}. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: CBC Companies, 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:
I JUST DISCOVERED ACCOUNTS REPORTING TO MY CONSUMER REPORT THAT DO NOT BELONG TO ME SO I DID MY RESEARCH ON THE FTC WEBSITE TO PREPARE AND FILE MY COMPLIANT AND CLEAR UP THIS MESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion has continued has show they lack the responsibility and trust to manage such critical information. Their lack of resources to handle fraud and continual technical issues has been unreasonable as compared to the XXXXwo other credit bureaus. I have reached out on numerous occasions to report technical issues, obtain updates on fraud disputes and they disconnect calls or hang up or continue to pass to another representative.

A recent example is that I needed to have my credit unfrozen, after I had it unfrozen per a Transunion rep, the XXXXredit lender tried two times and confirmed Transunion has not unfrozen it. When I attempt to check on their website, it says it is having trouble providing that status information.

This is just one recent example the carelessness, lack of resources and understanding of the consumer information they hold. They have not resolved technical issues for 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 2023-01-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am filing this complaint after attempting to resolve this issue with customer service on multiple attempts, and an unanswered XXXX XXXX XXXX complaint. 

On XXXX XXXX XXXX, I received a special offer with a code to open a Wells Fargo checking account, and receive a {$200.00} bonus after {$1000.00} in total direct deposits within the first 90 days. After 90 days, Wells Fargo promised to deposit the bonus within 30 days. I met the conditions, and received an email after opening my account that I qualified for the {$200.00} bonus once I met the direct deposit requirement. On XX/XX/XXXX, I filed a XXXX  complaint, but Wells Fargo hasnt responded with a resolution. Instead, I received a letter in the mail stating that they would resolve the issue within 10 days. That has passed as of today. 

My conversations with customer service at the end of XXXX ended with me being told to give it a few extra days because of the holidays or call us back. On XX/XX/XXXXXXXX XXXX XXXX I again reached out to customer service, and was told that any account bonuses are handled by branches - even though I opened my account online.

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 2023-01-13
Company: EQUIFAX, 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:
I am a XXXX XXXX XXXXXXXX XXXX was told by a real estate agent to go on line and get information from XXXX XXXX XXXX XXXX to compare rates. I went on line filled out the XXXX portion of inquiry- after putting in my information I realized that this was a pre-approval form for a loan. I did not continue with the form but closed out screen. Today my husband received a letter of stating the application had been closed because they did not have all my information. It also, states that this action is not reported to the credit bureaus. And does not affect your ability to apply with another lender or reapply with XXXX XXXX XXXX XXXX in the future. 

This company ran a credit bureaus hard inquiry- insisting I gave them the authority to do so,. If I had then they would have had all the information they needed and the application would have been complete. 

When I call them to have them remove the inquiry they argued with me ( XXXX supervisor stated that he was the only supervisor and I had to talk to him!! He LIED! ) I called back and was given " ANOTHER SUPERVISOR '' hearing laughter in the back ground. They refused to remove the inquiry and now my credit rating has gone down XXXX points- And if I wanted to I could not get any loans period because it has taken my rating in the low XXXX 's. 
My husband and I both have a back-ground in XXXXXXXX XXXX XXXX and we know what they are doing is incorrect. 
I am sure they have done this to other XXXX. 
And I feel they need to remove this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had multiple over draft changes and not sure if I would be in the field suit

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 2023-06-15
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
XX/XX/2023 purchase of {$410.00} on American Express for shoes from online company XXXX. Shoes received via XXXX on XX/XX/2023. XXXX picked up the shoes on XX/XX/2023 to be returned to the original shipper in XXXX. XXXX confirmed the shoes were signed for by the original shipper on XX/XX/2023. Followed up with XXXX as to my credit of {$410.00} for the return. XX/XX/2023 I contacted Amex to dispute the charge as I had not received the credit due. The dispute was processed by American Express. XX/XX/2023 XXXX advised me that they had a package from XXXX ( XXXX shipper ). I contacted XXXX, XXXX, and Amex and advised that I would NOT accept any package from this shipper. XX/XX/2023 XXXX sent an email advising that they would not accept the return and would not be crediting me as the shoes were returned " worn '' .Emails were sent by me to XXXX stating clearly that the shoes were never " worn '' by me and were returned in the EXACT same condition as shipped. Amex opened and closed the dispute 7 times and as of XX/XX/2023 rebilled me for the returned shoes. XXXX redelivered the shoes to XXXX 's XXXX shipped and were signed for on XX/XX/2023. XXXX and it's Third Party supplier in XXXX conspired to refuse the credit, both companies have been paid thru Amex, and they have the shoes to RESELL. I the Amex Cardholder have been billed and bilked for {$410.00}. Amex as of XX/XX/2023 said they have closed the dispute but do acknowledge that I have been charged for merchandise that I do not have. They agree that XXXX and the Third Party supplier have the shoes and will resell them. This is their business scam but will not reverse the charge of {$410.00}.

Company response to consumer: Closed with explanation