BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2023, Truist Bank told us that our endorsed insurance check would be endorsed by the Bank so we could cash it to provide the funds to us or deposited in our HELOC account. Instead money was kept by the Bank and Bank will not release it to us. We previously filed a complaint with CFPB and were advised that the company would respond. However the companys letter did not address our complaint that the XXXX Florida branch manager XXXX XXXX and the Sr Relationship Manger XXXX XXXX XXXX explicitly and repeatedly represented to my wife and myself that if we endorsed the insurance check, the bank would then endorse it and return it to us for cashing or deposit in our line of credit account. Rather the Banks letter from XXXX XXXX of XX/XX/2023 simply repeated what the Bank says is its policy- to retain insurance check funds and disperse them only upon completion of the work. The letter did not address our complaint that the Bank agents made false representations as detailed above. ( Regardless of whatever policy the bank claims it has, the bank officials represented something entirely differently to us as detailed above, and did not tell us that the bank was going to confiscate our funds. ) The Branch Manager and Sr Relationship Manager are legal agents of the bank and their representations to customers are legally binding. Here the bank obtained our endorsed check based on false statements and misrepresentations. We request that your agency conduct a proper investigation of this matter, rather than sending it back to the bank who failed to respond to our claim. 
XXXX XXXX Truist Bank HELOC account 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 2023-05-18
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
During a period I was XXXX  my phone was stolen which all my financial information was stored in and used for a number of unauthorized transactions. I tried to resolve the matter by calling the merchants in which they advised me to contact. My financial institution. I found a formal dispute will navy federal then then after the investigation I filed several appeals but still wasn't granted a refund. Due to the matter it placed me in a real bad financial hardship situation. The dates and times that is took place are as follows : XX/XX/22 The Amount of {$13.00} XX/XX/22 the amount of a {$100.00}, XX/XX/22 the amount of {$440.00}, XX/XX/22 the amount of {$2.00}, XX/XX/22 the amount of {$14.00}, XX/XX/22 the amount of {$18.00}! XX/XX/22 the amount of {$230.00}, XX/XX/22 the amount of {$390.00}! XX/XX/22 the amount of {$260.00}, XX/XX/22 the amount of {$17.00}, XX/XX/22 the amount of {$18.00}, XX/XX/22 the Amount of {$35.00}, XX/XX/22 the amount of {$53.00}, XX/XX/22 the amount of a {$100.00}, XX/XX/22 the amount of {$16.00}, XX/XX/22 the amount of {$20.00}, XX/XX/22 the amount of {$40.00}, XX/XX/22 the amount of {$53.00}, XX/XX/22 the amount of {$69.00}, XX/XX/22 the amount of a {$130.00}, XX/XX/22 the amount of {$180.00}, XX/XX/22 the amount of {$350.00}, XX/XX/22 the amount of {$18.00}, On XX/XX/22 the amount of {$71.00}, XX/XX/22 the amount of {$11.00}, XX/XX/22 the amount of {$110.00} on XX/XX/22, the amount of {$400.00}, On XX/XX/22 the amount of {$1.00}, XX/XX/22 the amount of {$200.00}, on XX/XX/22 the amount of {$10.00}, On XX/XX/22 the amount Of {$1.00}, On XX/XX/22 the amount of {$980.00}, on XX/XX/22 the amount of {$24.00} on XX/XX/22 {$23.00}, XX/XX/22 the amount of {$1.00} on XX/XX/22 the amount of {$1.00}, XX/XX/22 the amount of {$4.00}, XX/XX/22 the amount of {$16.00} XX/XX/22 the amount of {$27.00}, XX/XX/22 the amount of {$80.00} these dates and amounts reflects 2 different checking accounts both within Navy Federal. Acct # XXXX and acct # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : 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 2019-03-23
Company: AMERICAN EXPRESS COMPANY
State: HI
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:
I paid off my American Express Credit Card XXXX, XXXX. I have been complaining and have received six letters from American Express that they are looking into and gave me six different dispute numbers. I have been reported to XXXX that I am delinquent. Each time American Express sends me a letter to acknowledge my dispute, they give name a dispute number and ask for more time to look into and resolve my case. Last week, American Express asked me to give them to XX/XX/XXXX to resolve the problem. I agree and this will be the 7th time to resolve my case. Also, they promised not to report my case as being delinquent, and I noted XXXX showed me delinquent with American Express early in XXXX. Before my last conversation with American Express. American Express did call me back this week and told me that I OWE THEM THE MONEY. I asked to see the statement showing where the charges are coming from and was told they could not provide me since it was last year. They told me I had to go back and check all my statements and payments made. I told them that was not acceptable since they claim I opened another card and I disputed opening a third card.. they said I requested a third card and I told I never did. They claim I had three cards with American Express and ask them to show me where I accepted and sign for a third card. They have really screwed up my two accounts which I have paid in full, therefore I need help from CFPB to make them send me statements showing where I opened a third account and made charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : DEPT OF EDUCATIONXXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2023-05-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I keep trying to delete information that is not mine on my Experian credit report. I sent the requests off via mail a few times but it keeps getting ignored. I do not live in the State of Arkansas. I live in the State of Missouri and my address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I want the following addresses deleted from Experian : XXXX XXXX XXXX XXXX XXXX, AR XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. Please delete these addresses from my credit report and send me an updated copy of my credit report after deletion.

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 2022-06-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: MO
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 initially disputed these fraudulent items, providing comprehensive evidence that substantiates my claim that these items are not related to my financial history. Despite my efforts and the legal obligation for accurate and fair credit reporting, these items have not been corrected or removed from my credit report. 

I would like to emphasize that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. It is now well beyond this timeframe, and the presence of these fraudulent items continues to harm my credit standing. Furthermore, I have received no communication from your agency regarding the results of the investigation or any actions taken to resolve the matter. 

In light of the situation, I kindly request that you take the following actions : Conduct a thorough and timely investigation into the accuracy of these fraudulent items, adhering to the guidelines set forth by the FCRA. 

Provide a detailed response outlining the results of your investigation, including any actions taken to correct the inaccuracies and the expected timeline for resolution. 

Remove the fraudulent items from my credit report promptly, as required by law, if they are found to be inaccurately reported or unverifiable. 

Send me a written report of the results of your investigation, a copy of my updated credit report showing the removal of these fraudulent items, and a written explanation for any items that were not corrected or removed. I am asking for your assistance to remove the following fraud items : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following inquiries viewed by others and only by me currently listed and showing on my Chex Systems XXXX Report ID : XXXX are unauthorized and not my inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I have filed and submitted a request to correct all incorrect information on my credit report with all three bureaus. I have waited the 30 days for the results and nothing was corrected! There are numerous inaccurate addresses and accounts on my reports. Per FCRA regulations and requirements 15 usc 1681i ( 5 ) I am entitled to a fair and Accurate credit report. There are numerous accounts reporting to only one or two of the bureaus in question. That in itself should be enough to delete some or all of inaccuracies on my reports! I am a XXXX  mother of XXXX  XXXX  children and am in need of buying reliable transportation and housing. I can not do either, do to the inaccuracies on my credit report! I am submitting this to correct any inaccuracies across all three bureaus and request immediate remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt Validation letter was sent to the company on XX/XX/2021 and was received by the company on XXXX.No response has been sent back to the consumer. The creditor also has not notified the credit bureaus that the debt is being disputed. This debt is unfamiliar and needs to be cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. Experian, XXXX and XXXX have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY 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 2022-06-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. XXXX, XXXX and Equifax have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: RIA FINANCIAL
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX XX/XX/XXXX, paid {$230.00} to XXXX XXXX through RIA from XXXX XXXX XXXX Direct deposit to his account ( Image RIA1 ) XXXX XX/XX/XXXX kept receiving a text message " Money is ready for pick-up. '' I called RIA to ask why the money was for pick-up since it was a direct deposit. ( Image RIA2 ) XXXX RIA explained that the transaction did not go through because I made the transaction from XXXX XXXX 
XXXX Wrong information through text all the time mentioning Money is ready for pick-up. All confusing. 
XXXX Canceled the transaction since my recipient did not receive his payment for 15 days. 
XXXX RIA process to refund the {$230.00} XXXX XX/XX/XXXX I paid XXXX XXXX XXXX XXXX {$230.00} ( Image RIA7 ) XXXX XX/XX/XXXX received an email from RIA saying that XXXX transaction was incorrectly refunded. ( Image RIA8 ) XXXX XX/XX/XXXX, I talked to them over the phone, saying I have to pay the {$230.00} back. I refused because I could not reach XXXX XXXX and I already paid him because of the transaction cancelation. ( Image RIAXXXX ) XXXX Ria emailed me saying they need my back authorization to withdraw the money from my bank account. They have access. I worked with them for more than 10 years. I denied the access ( Image RIAXXXX ) XXXX XX/XX/XXXX, they took the money from my account without my authorization. 
XXXX XX/XX/XXXX, I realized the unauthorized transaction and sent them an email. ( Image RIAXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is in violation of 15 usc 1644 and 15 usc 1643 for unauthorized use of my social security card which is also my credit card by legal definition. Congress states violators of these codes shall be fined not more than {$10000.00} or imprisoned not more than ten years, or both. I have attached a copy of my correspondence to EQUIFAX to rectify the damages caused to me as well as screen shots of the proof of the unauthorized use of my credit card with the fraudulent inquiries. Congress also states that I should be compensate {$1000.00} per unauthorized use prior to this case going to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief