BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: TRUIST FINANCIAL CORPORATION
State: TX
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 sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letters on XX/XX/XXXX and XX/XX/XXXX which are FDCPA violations.

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 2017-05-19
Company: Byrider Franchising, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
on  XXXX   XXXX ,    2017  i was i n a one car ac cident that resulted in my car being totaled. i had both full coverage through  XXXX  insurance and gap through  XXXX   XXXX ,  XXXX  has sent in  XXXX  checks on my behalf.  XXXX  was for {$3800.00} and the other for {$770.00}, which left a balance of {$5200.00}. My gap however is taking a little longer than expected and now after a year and a half of no late or missed payments,  JD Byeryder  is threatening me with a reprosession of a car i haven '' t had since  XXXX  if i do n't give them another payment today in which i 've already paid  XXXX  and  XXXX  for fear of this happening. I already have another car and that payment is {$320.00} and i do n't have enough to pay for both. Also, I spoke with someone from the dealership and she told me that she spoke with my gap insurance and said the {$770.00} check was from them and they said they were n't paying anymore. I told her that was n't true and that she was wrong but i am stuck on my decision because I do n't want that on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: PR
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:
Ive been a victim of identity theft I have not authorized no one to open a Bank XXXX XXXX credit card with my name or my personal information this account was open on XX/XX/XXXX fraudulent amount {$2500.00}. 

this fraudulent account XXXX XXXXXXXX XXXX XXXX bank XX/XX/XXXX {$640.00} this account are fraud open by open by someone who stolen my identity.

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 2023-10-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reviewed my credit report in XXXX of 2023 and seen that all three reporting agencies XXXX, XXXX, & Experian has been reporting multiple accounts in which has been reporting inaccurate information. These accounts has be caused damage to my creditworthiness due to inaccurate reporting. I have disputed these account several times with each reporting agency and they have not resolved these issues. According to 15 U.S.C 1681 there should not be any damages on my consumer report, that is a deformation to my character

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have a court ordered child support payment I am current and no back pay was ordered Credit report is ruining my credit by falsely reporting back due delinquent payments This is false The payments are taken out of my checking account There currently no back or delinquent amounts Please see Judgment

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 2023-07-17
Company: OneMain Finance Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called the branch on XX/XX/XXXX, where I received my loan from and inquired about the interest rate that I'm being charged. I explained that I'm paying almost double my principal amount in interest. The gentleman that I spoke with said that there is nothing that he could do about it. My loan for {$11000.00} that I received in XXXX of XXXX, was a refinance on a loan of {$7500.00} that I had already been paying on plus an additional {$4000.00} that I was receiving at that time. He said that I agreed to a 5  year loan and that my pay off was {$10000.00} plus dollars. I said to him that this was predatory considering that I pay {$350.00} a month and out of almost {$4000.00} dollars worth of payments that had been made less than a {$1000.00} went towards the principal amount. He explained that when I finish the payment in 5 years I will have paid over {$21000.00} dollars for an {$11000.00} loan. That in itself is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Experian Information Solutions Inc.
State: WI
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 just recently filed a complaint through CFPB due to   XXXX   XXXX   showing an inaccurate delinquent account on my credit report since   XXXX  . My most recent complaint from  XXXX  was me asking   XXXX   XXXX   to remove the account completely from my credit report and their response was that they are unable to remove the account because it did in fact exist. What I guess I needed to clarify is that I 'm fine with the account showing up on my credit report but it still shows up as a delinquent account which is completely inaccurate and it has caused my  credit s  core to p lummet in the last 2 years and now is the reason I can not refinance my graduate student loans. So the delinquency part of the account is what needs to be removed from my report.     Also, I have submitted requests to the credit bureaus to eliminate the delinquency from my account and they have failed to do so.

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 2023-09-27
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/XXXX  I received a Welcome to Chime email as well as an email alert that this account had been accessed. I immediately notified Chime and let them know this was fraudulent and to close it. I also requested any information provided so that I could include that in a police report ( ir. Address used when opening the account ). I was informed that in order to get this information, I had to submit a police report or an FTC Identity Theft claim ( I submitted the latter ). I have since emailed for a status update and each time I receive a response, its a generic email that does not address my question. Ive also called and was told they cant see that info. XXXX XXXX  responsibility for failing to prevent fraud accounts and has failed to provide what it said it would

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: WELLS FARGO & COMPANY
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I received a text from what I thought was an automated fraud alert ( XXXX ) XXXX in regards to someone attempting to hack my bank account. While reading the message. I received a phone call from Wells Fargo fraud dept XXXX. The guy on the phone was " alerting me '' that someone was trying to use my card at a XXXX in Texas. He then proceeded to say that I would need to reverse the funds as he began walking me through the process. He informed me that there were unusual transactions based in Texas. I did not approve neither one of them. He then asked about the XXXX  transaction and informed me that the scammers were trying to drain my account using XXXX. He said that in order to reverse the transaction. I needed to send the money to myself, so that it would not be approved. It was an odd request/protocol, but he reminded me that he was calling from Wells Fargo and he gave me his badge number ( XXXX ) told me that the number should match the back of my debit card. And to my surprise, it did and so I believed him. 

I then added myself as a XXXX recipient with MY NUMBER and MY NAME and transferred {$1000.00} from my Checking account to MY SELF! Immediately after doing so, I heard a cell phone notification in the background. That's when I hung the phone up. I immediately called Wells Fargo fraud number ( XXXX ) AGAIN. The lady that answered was soo rude and made matters worse for me. I attempted to call them again, hoping to get someone else on the phone. 

Everything happened so quick. I'm not sure if its an inside job or not. But the scammer was REALLY GOOD AND BELIEVABLE! 

- I have copies of the phone number that called me -I have the phone number that text me ( fraud alert ) -I have the copy of the XXXX transaction to MYSELF -I have an email of the account/banking institution that the funds went to and the name on the account

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 2023-01-02
Company: FREEDOM FINANCIAL NETWORK
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
After visiting with the representative of Freedom Debt Relief ( FDR ), I signed a contract for services with an anticipation of cost based upon XXXX  % of enrolled debt with an anticipated payoff of 48 months. As my obligation was to have been done as of XXXX of XXXX I made plans to begin cutting back on work hours accordingly. Imagine my surprise when I became aware of their extension of this program for another 16 months at the same monthly rate of {$780.00}, meaning an additional cost of {$12000.00}. This changes the cost of services to represent well over XXXX  % of enrolled debt. As they clearly state on the front page of the contract, " clients who make all their monthly program deposits pay approx. XXXX  % of their enrolled balance before fees, or XXXX  % including fees ( fees may vary ) over 24 to 48 months. '' This is how it had been presented to me and this was built us as my expected result. I was, and continue to be aware of this being an estimation, and know that things can change, but the representation that FDR was going to take care of this for me established in my mind that risk and worry were no longer on my side, but rested with them. This unfortunately extends my need to stay fully employed and extends the time that our credit issues affect our credit report. I have spoken with a representative of FDR a couple of times, but with little concession on their part. I believe this stems from a misrepresentation of expectations and desire to resolve it soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: FirstPoint Collection Resources
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 a collection has appeared on my XXXX report from a group named FIRSTPOINT COLL RESOURCES INC. I have NEVER been contacted by this group nor have they provided me ANY proof of any bill owed to " XXXX XXXX ''. As such this is a 100 % illegal and fraudulent collection. By law, they must contact me and provide proof. As they have violated the FCRA, I feel they should be fined, censured, or both. 
I have contacted XXXX to have this removed. If they do not do what is legally or ethically correct, I will also file a complaint against them as well. 
Companies can not do whatever they want to with no regard for the law. This is what has happened here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: MS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Account # XXXX : XXXX, Account # XXXX : XXXX ( XXXX ) :, Account # XXXX : XXXX, Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A fraudulent account was opened in my name on XX/XX/2023 with Bank of America. I called and promptly had the account closed and it happened again on XX/XX/2023. 

I already had freezes in place will all of the credit bureaus and after the first account was fraudulently opened I placed an additional alert. 

Bank of America 's does not have safeguards in place and does not require even an email verification to open a checking account and they stated that it may take " around 30 days '' to fix any safeguards in their system regarding my information. They have no solutions for me to prevent additional accounts from being opened in my name. 

They closed the accounts and gave me reference numbers for the incidents 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 2017-07-18
Company: CITIBANK, N.A.
State: TX
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:
Airline ticket was purchased for two adults in  XXXX    XXXX   on   XXXX   XXXX    2016 . The tickets were then cancelled with the airline according to their policy on  XXXX   XXXX  2016. AS per airline policy, each ticket was separately cancelled, but was purchased as  one  transaction. I received credit for  ONE  cancellation and the other ticket was NEVER refunded.  XXXX   XXXX   (  and have sent confirmation emails ) stating that  Ticket No  :  XXXX   XXXX  was was refunded via  Refund Request No  :  XXXX .     A dispute was filed with Citibank (  XXXX   )  promptly on the original purchase, as that was the only way to file the dispute for a missing transaction in their systems. During the course of this dispute, Citibank cites emirates as saying the ticket number was invalid. I have send copied of the ticket and the emails from emirates and have also independently confirmed with  XXXX   XXXX  at the  XXXX  office in  XXXX  (  XXXX  Xtn :  XXXX   )  that it is indeed a valid ticket and shows as reissued.     Citibank closed the dispute saying I do not owe a refund citing the SAME original letter they sent me in  XXXX , for which I had given all the necessary documents to show that the ticket was indeed valid. I do not believe that the merchant was contacted with the updated information provided to them in  XXXX , but the dispute was closed with a charge to me in  XXXX . I could not reach anyone that can talk to me on this matter as further attempts to reach out to Citibank was not returned / answered.     This is matter has taken several hours of my time, and I have been hung up on the phone with citibank multiple times. The last time,  XXXX   XXXX  in Billing disputes said she accidentally hung up and was on another call when another customer service agent asked for her. She promised to call me back within a few minutes on   XXXX  /2017 at  XXXX  and I am still waiting for that call back. I believe I have exploited all options in dealing directly with Citibank and need assistance in resolving this dispute in a fair manner. In the mean time, I have had to pay the balance and I believe that is extremely unreasonable for citibank to expect from me.     Thank you,  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 monetary relief
Consumer complaint received 2017-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract with Portfolio Recovery. I have never done business with this company. I am not liable for collection from this debt from  XXXX   XXXX    XXXX  . I am not responsible for this debt with Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this complaint to inform your department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Balance : {$11000.00} This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-18
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 have submitted several written disputes with the credit agency notifying them of  XXXX   XXXX   XXXX  attempts to report fraudulent information.  XXXX   XXXX   XXXX  is stating that I owe  XXXX   XXXX  Bank {$670.00}. This information is false. I have never had a account with  XXXX   XXXX   XXXX   XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and  XXXX   XXXX   XXXX  requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from  XXXX   XXXX    XXXX   authorizing  XXXX   XXXX   XXXX   to colle  ct  the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following sectio n 16 o f the FCRA -Documented proof showing  payments  were made by me on this line of credit -Documented proof showing the dates within the credit file are correct  XXXX   XXXX   XXXX  has falsified their  reporting and the c redit bureau has failed to request these documents from the creditor. This item needs to be removed from my 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