BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted experian to remove fraudulent inquiries on my credit report, on XX/XX/2022 through the fraud department the inquiries stayed on my credit reported they just updated my information Also XXXX  under the civil law ( 15USC 1692k )

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 2018-09-05
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My son had a checking account with SunTrust Bank in Georgia. I am the parent and my name is also on the account. Son and/or Mom owners of the checking account. My son had his debt card and driver 's permit stolen from his wallet. Bank sent overdraft notices to home. I took notice to bank on XX/XX/2018 asked why were transactions deposited in and withdrawn out of our account. We filed a police report of the lost items from son 's wallet on XX/XX/XXXX. Son had not noticed that items were missing until I asked him to see his driver 's  permit. On XX/XX/XXXX I filed a report with the Fraud Department at SunTrust. 
Thieves deposited three checks totaling XXXX and withdrew {$9300.00} on different times and mode occurring on 8 days between XX/XX/2018 and XX/XX/2018. 

SunTrust Fraud Dept. had police confirmation that the man that withdrew {$5000.00} in an over-the-counter transaction was not my son. On XX/XX/XXXX, the thieves were making over-the-counter withdrawal, ATM withdrawal and grocery shop. My son 's XXXX teacher confirmed my son was in class. 

SunTrust Bank took {$6.00}, XXXX from my husband and my savings account to pay for what the thieves stole from the bank.

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 2023-04-23
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: MS
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:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection/chargeoff in amount of {$7100.00} as well as reporting a past due balance of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due and be removed from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/XXXX a check that I wrote to a vendor was cashed by someone other than the intended payee. I found out that the vendor had not received payment and they told me they did not cash the check. I initiated a claim with my bank on XX/XX/XXXX and both the intended recipient and me filled out affidavits regarding the situation. My bank is telling me they will close the case without me getting reimbursed if they don't have a resolution from the bank that cashed the check within 90 days ( I received this letter today, XX/XX/XXXX. At this point 138 days have passed from when I filed the claim. My bank is Chase and I have not been told who the other bank is. The check was for {$2400.00}. I don't see how this can be my problem when the bank is supposed to verify ID. I have followed up with my bank at least 10 times and have gotten no satidfaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-05
Company: Square Inc
State: PA
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 have been contacting y'all cash app support team over chat about my two disputes, the {$32.00} from XXXX. Why do I need to dispute that payment? Because the company never send me my order, and I have been contacting them by email, they don't reply to my emails. Another dispute is {$120.00} from XXXX XXXX. Why do I need to dispute that because I didn't pass their program? On their site, it's said they offer refunds. Still, contact the business by email and tell them there was a glitch in their system that makes me void the program rules. They told me I couldn't get a refund or a free retake 's and I have been contacting y'all support about their disputes. They keep telling me someone will contact me, and their no updates yet on my disputes, and they claim they escalate my issues. I have been waiting for a whole week now without no contact by email from y'all my two case number is XXXX and XXXX. And my cash app tag is $ XXXX. I require y'all to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
TRUIST bank will not stop calling me about a debt that I have talked with them about extensively and explained the situation. I asked them to stop calling me over and over and over. The calls are endless. 
I can't even keep up with all the dates. 

I have spoke with mangers before and the manager said he would make sure the calls stopped. 

they call may stop for a couple weeks and then they start back I asked for copies of the recorded calls and transcripts of calls to prove how many times I have told them to stop calling me and that each time the person on the phone will say I will remove your number and not call anymore but the manager called me back and said I have to have a subpoena to get any information on recordings /transcripts I told them I dont care if they send mail but to stop calling me but they still call I block the numbers they call from and then the change the phone number that they call from.

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 2022-04-13
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: Account status incorrect

Complaint:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT : XXXX  XXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. 

NAME OF ACCOUNT : XXXX/XXXX  ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. 


If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.

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 2022-04-13
Company: Continental Finance Company, LLC
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:
XXXX XXXX has marked my credit report as delinquent, yet their site shows payments every month. I was misled by their site and feel that their site is misleading and deceives you into believing you are current.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent numerous letters to Experian credit bureau to dispute inaccurate information on my credit report. The first letter was sent on XX/XX/XXXX, with my photo id, social security number, and proof of address. The most recent letter was sent on XX/XX/XXXX, and the bureau is not responding or updating any of the disputed information. Each time I sent a letter I waited 30 to 45 days before checking my bureau credit report. I do not understand why the credit bureau is refusing to process my request. I know there might be delays at times, and I even tried to give them the benefit of the doubt for that. There is still inaccurate information reporting on my report. I have included a copy of all of the letters I have sent to the credit bureau with this complaint.

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 2020-03-30
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company, Preferred CMS, alleges that I owe a debt. I have never done business with this company. In XX/XX/2019, my chapter XXXX bankruptcy was discharged. I am unsure if this relates to the discharged debts. I tried calling today, but the hold time was too long. I tried to block the number, but they use rotary dialing and call from different extensions every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I made an online ACH payment through the Chase Bank website for {$500.00} on my XXXX credit card. According to Chase, 2 minutes after my {$500.00} payment, they claim that I requested for my account to be enrolled in auto pay of my entire balance each month. I did not authorize this and I had no idea that they did this. On XX/XX/XXXX, Chase made an unauthorized ACH withdrawal of {$3700.00} from my XXXX checking account. I contacted Chase and told them that this was fraudulent and they not only denied me but they hung up the phone on me. They did send me a new credit card as if they thought it was compromised. Then, I called XXXX who told me that they had to investigate the complaint. At this time, I was traveling on XXXX military duty and my Wife and Kids were traveling in XXXX Florida. We were all left without access to our own money because of the issue and it has cost us money ever since. Since this has happened, I have made complaints with the Florida Attorney General and the XXXX XXXX County Sheriff. Please help.My leaning lesson is that ACH withdrawals are not protected the same way that credit card and debit card withdrawals are covered by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.

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 2020-03-30
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am refinancing my existing mortgage ( ... ... XXXX ) with XXXX XXXX XXXX  via Quicken Loans, to XXXX XXXX XXXX  via Quicken Loans ( ... ... XXXX ). 

The loan estimate dated XXXX indicated closing costs of {$2500.00}. I then received the Closing disclosure, XXXX, From XXXX XXXX, the mortgage agent from Quicken Loans, indicating closing costs of {$3000.00}. I realize the first quote I received was an 'estimate ' but to be off {$500.00} is, in my opinion, a deceptive practice. The Closing Disclosure could have been any amount they wanted, {$3200.00}, {$3700.00}, {$4000.00} or more and excuse it with 'it was only an estimate '! 

I gave a deposit of {$500.00} in good faith, but don't believe they are acting in good-faith with a 20 % increase in closing costs. 

To resolve this, I want my deposit back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, 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:
Account : XXXX XXXX  XXXX # XXXX On XX/XX/2021 I requested the following from XXXX XXXX XXXX  : Validation of debt, Method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt '' It's now XX/XX/2021. I have never received any of the requested documentation. Only a letter through the CFPB portal stating when notification was sent out, but there is no PROOF ( CFPB letter is attached ). In addition, They are in violation of my HIPPA Rights and FCRA it's been over 30 days since I have requested this information.

Please Reference CFPB file # XXXX for initial compliant directly with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I saw a new dentist at XXXX XXXX on XX/XX/ in XXXX Colorado for a simple teeth cleaning - preventative care 100 % covered by my XXXX XXXX insurance. I provided my dental insurance information with XXXX XXXX XXXX Colorado XXXX XXXX XXXX ID XXXX. The office manger there has repeated the correct information over the phone twice or more monthly and promises they will file a claim and not try to collect from me. However, to date, they have not filed any kind of a claim with XXXX XXXX nor provided proof of service and medical records so that I can file the claim myself. 

Both I and XXXX XXXX have repeatedly reached out together via phone ( through XXXX XXXX 3-way call ) and secure XXXX XXXX email system to get them to file the claim or provide proof of service. Per XXXX XXXX 's contract with XXXX XXXX, they can not send a patient to collections without first submitting a claim. However, they have sent me to collections. ( copy attached ). 

No matter what we do, neither the collection agency nor the Dentist will stop. They even send nasty text messages that I can not opt-out of. 

If they can not provide proof of service and medial records they can not send me to collections, so is what they are doing illegal? How can it be stopped? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: NY
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 have never been late with a payment and I have a bunch of late payments I need removed I also gave 19 inquiries and I dont remember the last time I applied for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: MD
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 noticed some fraudulent activity on my credit report that I did not authorize trying to fix my credit & get me and my family a house, so can you please remove them 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 2020-05-07
Company: Asset Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They keep calling my Mom and Grandparents. Even though they do not owe any debt, were not co-signers etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account is permanently limiting, and the account funds have been frozen for 180 days, but I still can't connect with the bank and withdraw cash, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking and saving acct. Was frozen some time back .XX/XX/XXXX. I was dealing with i XXXX mother, then i later found out i have a terminal deasese so i was to busy to worry about the bank. When anything sttledown XX/XX/XXXX i call sun trust back the bank manger told me my acct was frozen, noone could do anything with the acct. Untill the issue was resolved. Had more bad new gave up try to get my money. XX/XX/XXXX looked into the matter again and was told the acct were closed. I didnt close the acct.s told the bank manger just he was rude and nasty syi g this has been some time why are u just now coming to dind your money. .. go very anger left the bank. Was told later by another bank that i should have reacied the money that was in the acct when they was closed. I had XXXX in checking. XXXX in saving. I have tried fpr many years to get answer, but feel bc i was smart enough to know what was going on someone took advage of me and kept my money. I would llike to know where my money went and who closed out the accts. Bc it wasnt me. Im been sick for 3 years can hardly get out my bed. But still want answer.the last chevk i wtote was to XXXX XXXX for XXXX chevk numbet XXXX. When i check to see if the check had clear i was in the negtive, when i called i was told the accts. Were frozen and so on. Noone has showed me prove of anything .just talking

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The company says that they can do whatever they want and that they dont have to follow the law or do they have to listen to the FCRA and that they dont mind paying XXXX dollars. They told me they are above the FCRA.

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 2022-10-30
Company: William D. Meeker Enterprises, Inc.
State: KY
Product: Credit reporting, credit repair services, 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:
XXXX XXXX of XXXX was unauthorized to make an inquiry on my credit, yet he fraudulently did so!

Company response to consumer: Closed with explanation