BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been currently disputing a double charge on my bank Truist for over three months for a charge in XXXX for {$100.00}. 
The first time I dispute the transaction via web. I was given provisional credit after I received an email stating that I needed to dispute the transaction with the merchant, I followed through. I dispute with the merchant three times, no resolution. Furthermore, I also contact my bank in the matter that merchant said no record of transaction was found and can not be disputed through them. Likewise, I have proof that I emailed the merchant and a voice mail that was left. I open a claim with Truist which I received no email was informed to wait. After all this time I called again early XXXX according to the agent I had to opened another claim because the previous representative filled the information incorrectly I was instructed to wait again. No email was sent to me, I was only given a claim number. 
I called end XXXX the agents toggle my call to different departments and was only informed that I must continue to wait the call had drop. I called once again, the last agent that helped me over the phone reviewed my case and informed me both claims I opened previously were filled in incorrectly thus not being processed. 
The representative said she corrected the information and email a supervisor in regards, informed me to wait til XX/XX/2023 to call. 

I went to a Truist walk-in branch, a gentleman assisted me in regards and understood my situation. I am entitled to the money that belong to be. He was having technical difficulties with system, he transferred me over to his colleague, she assisted me to open another claim even though I had one open. 
She XXXX XXXX informed me that I must wait for a letter in the mail and the claim may not be approved due to it being past 60 days. As well as saying that the claim takes 60 days to process as well. 

Which upset me greatly because I have been more than patient with this bank to process my refund to my account which is funds that rightfully belong to me that have not been accessible this whole time. 
This was a situation that should have been solved by the second claim I made. 
I trusted the representative over the phone to do their job correctly and because they did not, I am paying the consequences of their actions. 
Her response made no sense because it also took time to dispute the transaction with merchant, and it also took time to receive answer from them. 
I only comply with what I was told at the time.

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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under usc 1681. I told XXXX, Transunion and XXXX to reinvestigate these accounts name and number is : 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. However ; they stated everything was complete and accurate but how is that possible if the open account dates, date of last activity and much more is incorrect, usc 1681 : ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 usc 1681 section 602 states I have the right to privacy,15 usc 1681 sec,604 a, Section 2 : it also state a comsumer agency can not furnished an account with out my written instructions. 15 usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has responible cause to believe that the information is inaccurate. I am not liable for this debt, with these account. I do not have a contract with these accounts, They did not provide me with the original contract as I requested.

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 2022-12-29
Company: OLD NATIONAL BANCORP
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My wife had an XXXX account with Old National Bank which we were first told was closed at our request no later than XXXX. Since that time, we continued to recieve account statements and communications from Old National Bank implying that the account was still open. Through numerous contacts with Old National bank over the years since XXXX, no fewer than 4 regarding ensuring the account was closed, we were told that the account was already closed and that there was nothing else that we needed to do. Fast forward to today, we are now recieving letters from XXXX XXXX  which bought the XXXX business from Old National Bank. We are being told that our new XXXX balance XXXX account at XXXX ( which was bought out from Old National ) is inactive and will start being assessed inactivity fees. IF our account was indeed closed at Old National Bank, why was it sold, alongwith all of our personal information, to the new entity?

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 2023-10-06
Company: U.S. BANCORP
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have requested a full printout of all transactions several times and they have not mailed them to me. It is a US bank account through XXXX grocery store. The transaction was made after I destroyed and disposed of the card and no contact was made in efforts to alert me of an unpaid transaction until over a year later. I am not going to pay anything unless they can provide full printed out undeniable proof that I made the transaction. Current total for the accused transaction is {$620.00}

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.

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 2023-01-06
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Attached to this complaint is identity documents for verification of my identity. Banks, credit unions, creditors, and lenders are having an issue of obtaining my credit report and credit score from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and Equifax. Lenders need to be able to pull, access, and obtain my credit report from XXXX XXXX XXXX XXXX, XXXX, and Equifax. I want XXXX XXXX XXXX XXXX, XXXX, and Equifax to delete and remove all fraud alerts and extended fraud alerts from my credit report and release my credit report and credit score to any bank, credit union, lender, or creditor who request my credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
They have repeatedly responded with this has been verified and remains though its inaccurate and unverifiable and therefore must legally be removed immediately.

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 2022-12-29
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: Account information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2021-09-27
Company: Experian Information Solutions Inc.
State: NY
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 contacted XXXX and requested a debt validation pursuant to 15 USC 1692g. In order to validate a debt, an alleged creditor has to submit 5 criterias, this is not optional and no part can be missing. Pursuant to 15 USC 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Attached is the correspondence I received from XXXX proving they were unable to validate this alleged debt. I have disputed this debt several times with Experian and you repeatedly concluded your investigation as this debt was validated and it remains on my consumer report. I need to see what they are sending you that is different from what they are sending me. I demand Experian provide me with the method you used to investigate this an valid and ALL documentary evidence pertaining to this account and why you feel you have enough evidence to keep furnishing this information on my consumer report. If you can not provide me with this evidence, I demand you delete this account immediately

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 2022-12-16
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
According to my credit card statements, I have been retroactively charged a higher interest rate on old balances. My old balances should only be charged the interest rate which was being used at the time the purchases were made. 

A 2009 law specifically bans retroactive rate increases.

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 2018-05-03
Company: EQUIFAX, INC.
State: ID
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:
Equifax : false, contradictory, and incorrect information on us is sent to potential lender. We don't have access to that information. The credit report that we receive is different than the ones they get. We paid lawyers and a credit repair company to sort this out. Much of what they were able to do for us was dumped back onto our credit report when Equifax was hacked. 
Our personal information has been compromised so many times that we can not trust any information listed there. Our supposed accounts have been sold off to companies we've never heard of trying to get money that we don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: GOLDMAN SACHS BANK USA
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:
On XX/XX/XXXX I charged a transaction on my Apple Card. But due to unforeseen circumstances the company, XXXX, made a mistake on my ticket for an event but refused to issue a refund even though on their website it's 100 % money back guaranteed before the event. However, things got complicated due to the fact that it was a third party ticketholder who provided the ticket. It ended up being the wrong row than the one I originally purchased which neither did I end up confirming nor did I end up going to the event. Tried to resolve it with XXXX over the phone three times, but they just blew me off. 

That was when I turned to my credit card company in hopes for them to represent me and get my money back. On XX/XX/XXXX I was issued a temporary provisional credit of {$110.00} from Goldman Sachs Apple Card. 
On XX/XX/XXXX they notified me that they were unable to resolve it with the company, XXXX, and that it was ruled in the favor of the merchant. 
On the same afternoon I had the opportunity to chat with an specialist at Apple/Goldman Sachs and they ensured me that I had a second opportunity for a crack at it in getting my dispute resolved in my favor. They even reached out for any additional information that I can provide to help them assist in their progress in the dispute. 

After a month or so I checked back in with them and spoke with a supervisor providing all the info/evidence both verbally and via e-mail that I had. They reassured me saying that if I don't hear back from them by XX/XX/XXXX that it most likely was ruled in my favor. 

But on XX/XX/XXXX I received an email AGAIN saying that with further investigation it resulted in the favor of the merchant. I was then charged the {$110.00}. I was shocked and in utter disbelief that I had to pay for an event that I never even attended. I don't know whether Apple/Goldman Sachs is new in this department or what. But it is simply unacceptable which led me to write this review today because I have nowhere else to expose this unworthiness in a credit card company. I originally thought getting an Apple Card was a good idea back in XXXX but I'd suggest you or any future consumers to stay far, far away from it as they can't even get a simple resolution resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of 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 2021-05-26
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: Their investigation did not fix an error on your report

Complaint:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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:
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 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 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 2023-07-04
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX did not look into the fact that this is a write off by Santander. The original creditor ( Santander ) has determined that this is a charge off ( written off ), and a close out. Which in turn means that the original creditor can not take any further collection action after close out, including selling the debt to another agency, and if required by XXXX XXXX and regulations must report closed out debt to the IRS. 
The fact that Santander wrote this debt off as a charge off means that Santander reported this debt as a loss to the IRS. Therefore this means that no further payments are due. In addition : the balance reflects a XXXX balance on credit reporting agency reports. Santander could not legally sell this debt, therefore they have violated my privacy by selling my information to XXXX, and XXXX has violated The Fair Debt Collection Practices Act by not validating the debt collection accuracy and or legality. Santander May also be in violation of other laws if in fact they did sell a debt to XXXX and collected any money from that sale, after reporting it as a loss to the IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a notification from my credit monitoring service today XX/XX/20 alerting me of an account in negative standing appearing on my credit report. I was confused so I logged in and saw an account from XXXX XXXX for an amount of {$2100.00} on my credit report that is not mine. I did not open this account and I do not have any sort of written/verbal contract with that company nor did I benefit anything from that account such as money, services, goods or anything else and I never made any payments towards that account. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I also contacted the company in hopes of getting this cleared up.

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