BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Moved out of our Apartment complex at the end of lease after purchasing home on XX/XX/XXXX. We cleaned apartment and turned over keys this day on XX/XX/XXXX as the last day on the lease. Email was sent to us on XX/XX/XXXX, that we owe {$660.00} after all the deposit is used and we had 10 days to pay off our debt and collectors will be contacting us. I disagreed with the charges for new carpet as it was listed and stain to the paint. We lived there from XX/XX/XXXX through XX/XX/XXXX. Also prior that apartment had been rented out to others 6 months before for a total of XXXX years of life on the carpet. They wanted to charge us XXXX for the carpet and XXXX for the paint. I found articles that the carpet should be prorated and I should only be charged for the expected life of the carpet left. I found articles that state stated I should pay the remaining cost of the life which was set at 5 years. I should only be charged 1.5 years remaining life only and we settled for paying less. A new statement was sent to us XX/XX/XXXX for XXXX and we agreed to pay. Check was delivered on XX/XX/XXXX and cashed by the apartment complex. On XX/XX/XXXX found out a debt collector was after the original statement amount of {$660.00}. Reported to the apartment complex and mentioned this was an accounting error to us. Contacted debt collector and told them what had happened and they wanted us to submit a claim and they already reported us to creditors and these errors happen. We since have lost points on credit report from XXXX to XXXX and we feel this was a mistake of no fault of our own. Waiting on the collection agency to address this now. 

Thank you for contacting Hunter Warfield regarding account number XXXX Hunter Warfield has received the documentation you have sent and needs additional time to investigate. As soon as we have a response from our client, we will complete our investigation and promptly forward our response and any applicable documentation to your attention. 

If you have any questions, please feel free to contact our office at XXXX. Hours of operation M-F XXXXXXXX XXXX. We look forward to helping you resolve this matter. 


Support Services Department XXXX XXXX XXXX XXXX | XXXX, FL XXXX | Tel. XXXX XXXX | XXXX | Fax. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The federal government recently announced a student loan relief plan with a term that stated any payment made during the pandemic could be refunded, My servicer ( Great Lakes ) rejected a refund request for loan payments made during the pandemic pause. They cited a 3rd party consolidation as the reason for the rejection. I am a Pell Grant recipient and the department 's recent guidance on refunds does not state a specific payment party as a requirement for refund eligibility nor does it exempt payments due to a refinance. According to XXXX " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. '' Part of my payments during the pandemic were made by a 3rd party refinance not a consolidation. According to the policy stated, I should be granted a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My son was to have a minor checking account with a parent. The Credit Union opened a regular checking account for the minor which allowed high dollar fraudulent transactions to take place. Upon disputing with the Credit Union, legal representation was necessary. The result was neither party was at fault/took responsibility. Because of that determination, nothing was to be reported. The Credit Union was paid in full and suffered no losses. The existing report should not have been made and I was only made aware of the existence today.

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 2023-03-02
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am complaining about Truist bank taking so long to resolve my first complaint that was placed on XX/XX/23. Just a reminder I was trying to contact Truist since XX/XX/23 until I found out about this website. I heard from one person at Truist on XXXX, who stated that it would take 2 weeks to get this resolved. I have never heard back from him or anyone at Truist in reference to my account. My account is still frozen and they have withdrew money with out contacting me or asking questions. I also do not know where the money went to. This account has been frozen almost 50 days with no resolution. You can not speak to a manager or anyone that can help. There is an general email but no one answers you. I now have late mortgage payments and monthly bills becasue of the lack of work ethic on Truist. I know that this is not legally right by them. All other banks turn over is 2-3 weeks. They are a large corporation that should have the man power to get results quickly for their account holders. Also, they are charging be services fees while my account is frozen. There has been no activity since XX/XX/23.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
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: Their investigation did not fix an error on your report

Complaint:
According to the law, any authorization or approval of credit must be obtained directly or indirectly from the issuer of a credit card or similar device. The term " Exclusions '' refers to the process of excluding or being excluded, leaving out any unauthorized credit activity. 

Under the law, the definition of a credit card is broad and encompasses various types of cards or credit devices, including cards, plates, coupon books, or any other device used to obtain money, property, labor, or services on credit. It is important to note that Congress explicitly states " ANY card '' in the definition. 

In my particular situation, the credit card in question is my social security card. This card is utilized to initiate every consumer credit transaction, serving as the primary identification for credit purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
RE my Bank of America, credit card ending in XXXX I pay all my bills with Auto Pay from my XXXX XXXX  account. Your billing department has mishandled the billing on my credit card. 

XX/XX/2022 statement : I Owed {$15000.00}. Bank of America withdrew {$32000.00} from my checking account causing me to have numerous overdrafts and fees not only from XXXX but also my creditors. 
XX/XX/2022 : My Bank of America credit card had a credit for {$16000.00}, however B of A took {$13000.00} from my checking account. I was now overdrawn {$30000.00}. 
XX/XX/2022 : Credit card balance - {$30000.00}. XX/XX/2022 B of A sent me a check for {$6900.00} for the amount Bank of America determined they owed me. I deposited the check into my XXXX XXXX account. 
Bank of America made electronic payments from my XXXX XXXX account on XX/XX/2022 for {$9000.00} and again on XX/XX/2022 for {$9000.00}. New balance on the credit card of XXXX. 
XX/XX/2022 the B of A sent me a check for the {$6900.00} that Bank of America determined that they owed me. I deposited the check into my XXXX XXXX account. 
On XX/XX/2022 I received notice from XXXX that the check from Bank of America was declined because Bank of America put a Stop Payment on the check. As a result, I now had more fees and bounced payments to my creditors. 
I talked to Bank of America on the phone on XX/XX/2022 and on XX/XX/2022 to reimburse me for bounced checks fees and a letter explaining that Bank of America deducted to much from my checking account. They refused to even give me the {$12.00} fee that XXXX charged me for their {$6900.00} check that they put a stop payment on. 
On XX/XX/2022 I went to the Bank of America in XXXX XXXX Bank to see if they could help me. The assistant manager was very sympathetic of my problem and called the Credit Card Customer service number for me. I talked to XXXX XXXX, customer service agent for Bank of America explaining that Bank of America took excessive payments of over {$30000.00} from my checking account. I need the letter to reestablish good credit with my creditors. XXXX XXXX told me it was my fault for having auto payment on my account. 
Bank of America did issue me a credit which they claim paid back the over-charges but I question if they still owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : 1. XXXX XXXX account ending in XXXX, which was charged off. 
2. XXXX XXXX account ending in XXXX, which was also charged off. 
3. Collection account from XXXX XXXX XXXX ending in XXXX. 
4. Collection account from XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  ending in XXXX. 
5. Collection account from XXXXXXXX XXXX ending in XXXX. 
6. Charge off account from XXXX XXXX XXXX XXXX. 
7. Charge off account from XXXX ending in XXXX. 
8. Inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 

I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX. Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 

I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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've run into a brick wall with XXXX, XXXX, and TransUnion. They've ignored all my disputes on my credit report about the inaccurate AND unverifiable information, which violates 15 U.S.Code 1681e ( b ). They didn't take the necessary steps to check the proof I provided, which is their duty to ensure accuracy. 

It's been 41 days since I reported this on XX/XX/2023, way past the required 30-day investigation period stated in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). They've left me hanging with zero updates or results. 

Worse still, XXXX, XXXX, and TransUnion hasn't noted my dispute in subsequent credit reports, a clear violation of 15 U.S.C. 1681i ( c ). So anyone checking my credit is getting a distorted view of my situation. 

I'm really frustrated with XXXX, XXXX, and TransUnion not playing by the rules and hope you can help set things right.

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 2021-08-13
Company: EQUIFAX, 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:
There Are Several Credit Inquiries On My Credit Report. I Have Sent Multiple Letters To The Companies Requesting Proof And Explaining I Didn't Authorize A Credit Pull. XXXX  Has Been Notified Several Times About These Issues And They Still Remain On My Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.

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 2022-12-15
Company: CITIBANK, N.A.
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, my rights have been violated. 

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 ate for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Cavalry Portfolio Services Llc have submitted multiple fraudulent cases against me through XXXX XXXX XXXX. The first case docket # DC XXXX XXXX for a credit card i never had and XXXX XXXX XXXX XXXX i contacted them when i received a wage execution and I informed them this account doesn't belong to me and i never lived at that address. I was the victim of ID thief several times I was sent a packet and affidavit which i completed and sent a copy of the police report certified return receipt mail which i did get back and XXXX said they dont have it i told her someone signed for it and they still continued to harass me and try to garnish my wages. Fast forward this company sent me another wage garnishment for another account now with XXXX XXXX that also doesn't belong to me, I called the office spoke with XXXX XXXX and explained to her i sent everything they requested from the first case forward it to this new case. I lived at the same address for XXXX and has never received not one notice from them other than the wage execution notice. Which is strange because they have my correct address. Every 6 months to a year im fighting the courts for these random judgements from different NJ counties and im not aware they even exist and when you contact these companies your victimized and treated like a criminal. All my reports are frozen and somehow the fraud manages to get through. Here i am again spending money to file motions to prove I'm the victim and the courts collect the filing fees and allow these debt collectors to file motion without proof is ridiculous. I think these debt collectors are doing name searches instead of doing due diligence. It doesn't belong to me. I am the victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Have tried unsuccessfully to have my bankruptcy removed ; it has hindered my entire young adult years and I am unable to do conventional things like obtain a credit card and get a mortgage when I already own a house. I have filed multiple disputes with all bureaus and nothing happens with this bankruptcy.

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 2023-11-15
Company: U.S. BANCORP
State: FL
Product: Credit 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/2023, I noticed an authorization on my credit card account for an entity called A Taste of XXXX XXXX in the amount of {$4800.00}. I immediately contacted U.S. Bank, the card issuer, to notify them that no charge was authorized before it even posted as a transaction. A fraud case was opened and a credit was applied. I had recently ordered a card for an authorized user which was never received. I assumed the card was stolen from the mail which was the only possible explanation because I am in XXXX and the other user is in Nevada making it impossible for a card in our possession to be swiped as the bank claims occurred. On or about XX/XX/2023, I received a letter in the mail requesting additional information to be returned by XX/XX/2023. Form copy uploaded. My staff tried over XXXX times to fax it to their number that constantly rang busy and unable to fax the document per their request. Recognizing the deadline was the next day, we were left with no choice but to send the document via overnight mail, tracking information will be uploaded. Much to my surprise, a new statement dropped today and this charge was re-posted. Upon calling the bank, they stated I said the card was in our possession which is a fabrication.Additionally, the authorized users do not have access to my house or the mail which is a locked box making it impossible for any authorized user to have physical possession of a card. I am uploading a screenshot of my flight to XXXX where I departed the US on XX/XX/2023 which is a week before this fraudulent transaction occurred. The only person who has access to the mail or house is my XXXX XXXX XXXX mother who is a XXXX XXXX XXXX This transaction is marked XXXX XXXX and we live in XXXX XXXX. There is no reasonable or possible explanation other than the card was stolen in the mail process and fraudulently used by someone else. I contacted the bank and they said they would have someone contact me for which I explained it must be during their night because I am in XXXX which is XXXX hours ahead of EST. I will not return to the US until XX/XX/2023. I have closed the account because I am not willing to do business with a bank that doesn't take the legal responsibilities seriously.

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 2023-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid collection for XXXX XXXX credit card of {$290.00} XXXX XXXX in paid in full .Should be off my credit report as owed XXXX years ago.

Company response to consumer: Closed with explanation