BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a relationship with Truist bank for almost XXXX  years, when it was a SunTrust and BB & T banks.

My Travel Rewards credit card opened with them for XXXX years and I use it very frequently. 
The card has good cash back rate, I travel very frequently and book my tickets and reserve hotels using it. Most of my trips are in business class and plan my travels in advance. Also I use this card for my everyday purchases, which are obviously becomes frequent because of XXXX and XXXX XXXX time. 
Because of the expenses, I had to ask my housemates to transfer me money using XXXX to pay my credit cards balance. 

Early morning XX/XX/XXXX, when I was in XXXX, I got a call from Truist bank. 
The lady from fraud prevention department asked me who is XXXX XXXX and XXXX XXXX, the people who sent me money. And she said that bank will always verify this type of transactions. 
I explained her that they are my housemates. XXXX XXXX is my common-law and she sent me money from her bank account in XXXX- it was XXXX {$4200.00}. She even was next to me at the moment of call. 
XXXX XXXX is my ex-wife and she sent me XXXX = {$8700.00}. 
I spend money on both of them using my credit card, thats why XXXX expected this transfers. 
I will attach their ids, so you can verify that its not a business related transaction. It was just a transfer to pay my credit card balance to make a purchases. 
We are all live at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I use my Truist checking account as my primary and I have all expenses connected with it - my mortgage, utility bills, internet etc. 
I have a business account in the same bank and do there my business related deposits. I never mixed it with personal. 
So now I have no access to the account and my credit card anymore, because Truist restricted my online access. 

Is it a perfect XXXX gift for me being a loyal bank customer for more than XXXX years? I always recommended this bank to my friends. 
And of course Im aware that XXXX is for family and friends transfer. But why Truist bank restricted my account because my close people living with me together transferred me money?

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 2020-06-10
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from 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 explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My banking institution USAA refuses to refund {$500.00} to my checking account due to XXXX scan that I immediately cancelled and disputed same day. USAA has refused to refund funds due to XXXX agreement that says do not send money to people you may not know. USAA refuses to provide documentation after receiving proof of SCAM email sent by XXXX. Multiple documents of proof of the scam was provided to USAA. After multiple attempts to escalate USAA refused to escalate the situation due to XXXX agreement.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: The Allen Daniel Associates, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a notice from the Department of Revenue on Monday, XX/XX/2021 regarding an alleged debt I owe. 

On the Notice from the Department of Revenue it stated : theRequest for Hearing ( Letter ) needs to be postmarked by Friday, XX/XX/2021 and listed XXXX XXXX as the point of contact, should I want to Submit a Request for Hearing ( Letter ). 

I tired getting in contact with XXXX XXXX because I needed a mailing address for the Hearing ( Letter ), eventually hearing back from XXXX XXXX on either Wednesday, XX/XX/XXXX or Thursday, XX/XX/XXXX ; after contacting XXXX XXXX XXXX, College Bursar / Director of Student Payments ( got in contact with XXXX XXXX and elevated the urgency of the matter ). 

This experience was not pleasant and totally unprofessional. 

So, I sent a letter to XXXX XXXX XXXX XXXX on Thursday, XX/XX/2021 disputing an alleged debt under the Pursuant to the Fair Debt Collection Practices Act, XXXX XXXX ( b ) : Validating Debts clause. 

And I sent a letter to The Allen Daniel Associates, Inc on Thursday, XX/XX/2021 disputing an alleged debt under the Pursuant to the Fair Debt Collection Practices Act, XXXX XXXX ( b ) : Validating Debts clause. 

- After sending both letters, the original creditor of this alleged debt ( XXXX XXXX XXXX XXXX ) has not verified that I am responsible for the alleged debt, nor have they sent a copy of any judgment. 

- Because I have disputed this alleged debt in writing within 30 days of receipt of the initial notice, The Allen Daniel Associates , Inc. must obtain verification of the debt or a copy of the judgment against me and mail these items to me at their expense ; of which they have not. 

- Furthermore, under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, any attempt to collect this debt without validating it violates the FDCPA ; and I have received two phone calls from The Allen Daniel Associates, Inc on : + Monday, XX/XX/2021 at XXXX from XXXX ( XXXX ) XXXX. 

+ Friday, XX/XX/2021 at XXXX from 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 explanation
Consumer complaint received 2022-12-10
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-06-25
Company: The Receivable Management Services LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019, XXXX setup appt for XXXX to service my snow thrower. The technician serviced my snow thrower. Afterwards, I paid by credit card and the technician gave me a receipt. I called my credit union to verify the payment was charged on my credit card. I called XXXX customer service to get a receipt and they emailed me a receipt with the technician ID number and the full amount. For the last 3 months, I've been receiving letters from XXXX collection dept. stating that I owe {$120.00}. I just recently received a phone call from The Receivable Management Services LLC. The representative was rude, loud talking me, while I was explaining that paid the amount in full and have proof of payment. The representative hung the phone up on me. Now, they're sending me letters stating I owe the amount. I've sent two ( 2 ) letters and a copy of a receipt from XXXX customer service dept.

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: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit 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:
I have attempted to resolve this issue on numerous occasions with the Care Credit card that is issued by Synchrony Bank. 

I made a standard purchase on XX/XX/2023 in the amount of {$120.00}. I made a payment in full on XX/XX/2023 in order to avoid interest and to remove the standard purchase from what is owed in total. I contacted Care Credit and had them allocate the payment to this purchase. It appears the allocation posted on XX/XX/2023. I have highlighted these transactions on the attached statement. 

I have contacted Care Credit by chat and by phone several times. Each individual tells me they have resolved the issue but the balance has yet to be cleared. 

As of today, the purchase is still open with a {$39.00} balance and I am being charged interest.

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 2023-11-19
Company: EdFinancial Services
State: CA
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:
I have been trying to enroll into XXXX XX/XX/XXXX, I have tried over 20 times and have emails that my request is being processed. I have called Edfinancial over 8 times to attempt to resolve this but they were unable to help me. I've called the bank to ensure the issue is not from their end, the bank assures me that no communication has been received from Edfinancial. I've even tried three different bank accounts but no luck. 

With the autopay, the interest on my loans which are over $ XXXX would be less by XXXX XXXX, so I have been paying an additional XXXX XXXX every month because I am unable to enroll into autopay despite many trials.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
request deletion of XXXX  XXXX bank account ending XXXX due to the fact that XXXX XXXX request to delete this trade line

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 2023-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2022-12-26
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-26
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX ACCNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 to the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states that a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this complaint to address an inconsistency in my credit report involving an account that XXXX has already removed due to an identified error. I am perplexed by the verification process undertaken by your bureau, especially considering that other credit bureaus have successfully removed this account from their records. I kindly request that you conduct a thorough review of this account, taking into account the information provided by XXXX and the subsequent removal of the account from their records. As per my understanding of credit reporting laws, inaccurate, erroneous, incomplete, or unverifiable information should be promptly rectified. Accounts Details : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$100000.00}. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this 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 explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 explanation
Consumer complaint received 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
XX/XX/XXXX someone tried to open a Bank of America account in my name. The address associated with the account is not mine. It is fraud! The address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX New York. My XXXX XXXX account notified me of the fraudulent efforts that were made by the perpetrators.

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 2023-03-05
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: Their investigation did not fix an error on your report

Complaint:
A charged off account is being reported incorrectly on my Experian credit report. I have submitted XXXX disputes regarding this issue. 

Dates these said thorough investigations were complete and deemed accurate : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The payment history of the account should not be reporting XXXX  days after the account was charged off and we are WELL over XXXX  months. This manipulates the date of last activity which directly impacts the statue of limitation for this account. It insinuates that the charged off status is more recent than it actually is. 

I have disputed this many times after giving them ample opportunity to update the account. This is greatly impacting my credit profile.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 explanation