BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello I contacted the bank on the XX/XX/XXXX after I got notification on my phone there was a negative balance after somebody attepet3d too hack my account and my business partner it was a charge of XXXX cent that came out off my debit card then they put it back in the bank had me on hold too look into it and the rep came back too the phone and said the attempted too do your business partner the same way they took out XXXX cent and put back in all I. The process I was on phone with rep truist charged my.account overdraft fees because the fraud er made 4 transactions n 2 mind both taking out the some of XXXX and putting it back in each time charged my account XXXX dollars at the time I had over a XXXX XXXX something dollars I. The account the rep said I definitely can see fraud happening as we speak fro.a. company called XXXX or something of that nature the rep request me too order new cards but unfortunately since the charges are pending they can't dispute it until items stop pending I called back again next day after noticing I deposited XXXX dollars XXXX after a load delivery my account has become I. The negatives I only used my card in XXXX al not XXXX I told the bank I want too dispute all charged if you would have blocked the merchant or whomever that was drains my account first this would've never happen the insured me they will get my money back asap I receive a email saying they not honoring my.claim I'm so confused I deposit XXXX too a XXXX weekly they took XXXX dollars multiple times over the holidays this isn't fair at all and i. Top of that she told me my over draft fees will be rienbursed because the ppl who attempted too take Money agian took it out and put same amount rite back in all n a XXXX min span on both mtle and my partners card 2 separate transactions I want suppose too even be charged anything If I caught it there was XXXX other transactions I disputed all dealing with the same.claim over XXXX dollars and rep of truist seen it with her own XXXX eyes on Her side she told me call back wen it stop pending and we will reimburse you those over draft fees because the MOney never came out now all a.sudden my.account went from. Current too a negative XXXX dollars this isn't good customer service nor do it seem my account is protected I have made same deposits every week nor was I in XXXX al at time they I have a copy of claim ID please Investigate this matter we work too hard too be robbed like this nevernhappen before.i. my life thanks XXXX bless the claim number 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 2023-12-15
Company: Paypal Holdings, Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
ON XXXX XXXX  I HAD TRANSFERRED XXXX INTO MY OWN PAYPAL ACCOUNT OUT OF MY XXXX ACCOUNT AT XXXX XXXX AFTER PAYPAL RECEIVED MY MONEY THAT I HAD PUT ON MY ACCOUNT THEY PUT A LIMITATION ON MY ACCOUNT THE TIME WAS XXXX XXXX  BECAUSE THEY SAID IT WAS A BIG INCREASE IN VOLUME BUT ONCED AGAIN THIS WASNT NO SALE THIS WAS MY PERSONAL MONEY, XXXX XXXX  I had received another email from PayPal stating the limitations was permanent and they are holding my money that I HAD PUT IN MY PAYPAL ACCOUNT for 180 days I tried to appeal it but they denied it. 
I don't see how this is fair by far how are they aloud to assume something and hold my money from me when I told them the truth I had my momey transferred into PayPal and I want my money I need my money it's XXXX for the love of XXXX I have a daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: GA
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:
Recently, I received my credit report from your company. After reviewing it, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well. I ALSO NOTICED ON MY CREDIT REPORT THAT I AM A VICTIM OF FRAUD. As you know, all incorrect information MUST be IMMEDIATELY REMOVED from my credit report. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1681, 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information or release the invalidated debt information from my credit report. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file and on my consumer report at all times. Please delete the following inaccurate information from my credit file and my consumer report. I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted 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 non-monetary relief
Consumer complaint received 2023-04-11
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2022, I was notified by XXXX XXXX who monitors my accounts ) that multiple cards were being opened or trying to be opened in my name. I called XXXX and together we called the various credit card companies. 
I thought all the accounts had been closed. I put a freeze on any future account being opened with the 3 credit bureaus. 
Today, I looked at my credit report, and saw that one of these accounts that was opened was still open. And my credit score plummeted by XXXX points as payments have not been made on it. 
I called XXXX immediately . They had me call XXXX and XXXX. XXXX insists on this identity theft report being filed. I did not know anything about this report. Nothing was mentioned to me a year ago about filing out this report. 
I called Wells Fargo today ( where the credit card is issued in my name and has a balance ). Wells Fargo is opening up a fraud report. 
This should not be such a difficult problem for a fraud victim to overcome. Thank you for your help.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: TN
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 US Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US 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 2023-12-14
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: Information belongs to someone else

Complaint:
I am writing to delete the following information from my credit file. The items I need deleted are listed in the report attached. I am a victim of Identity Theft and did not make the charge. I demand that the items are deleted to correct my consumer credit report. I reported the theft to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items asap!

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 2022-11-03
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credence Resource Management , LLC got and shared my personal information without my consent. They damaged my reputation by saying that I owe a debt that is not minds. They obtained my personal information without my consent and shared it with the credit bureaus and caused harm to me. They are also trying to coerce me into paying a debt that is not minds. They are also infringing on my intellectual property. They do not have the write to use my name XXXX XXXX. That is my personal property ( XXXX filing XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: PR
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:
Experian failed to give me a explanation into a dispute i summited to them XX/XX/2022. XXXX account in question and they added an extra account without giving XXXX proper notification. Everytime i submit a dispute woth experian they never ever give me a reason why they update the accounts in question. I have the letter i sent them and they violation i presented to them. They continue to ignore my eequestion in vioolation of FCRA. 

Other disputes i have had with Experian the creditor would send me and email stating they need more information. In this case the crditor never sent an email to request more information. 

XXXX XXXX XXXX stated XXXX XXXX, XXXX and Experian have discraded disputes without investigation. This is the case with me. 

Experian has been doing this to me for the last XXXX years, because im tryi g to purchase a house and experian is the only credit bureau that disregards the FCRA laws. I have had everthing experian is saying updated from XXXX and XXXX. XXXX is in clear violation of the FCRA laws. With this being said they need to remove all XXXX accounts of XXXX XXXX and the extra account that the same as oone of the XXXX accounts. Attached is the leterr and the laws experian has violated. Experian has a tendency of giving generic replys to me. Please help me we found a house we woyld like to purchase and experian is violating the laws and stopping my family to have a home. Thank you

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 2023-12-01
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: Account information incorrect

Complaint:
I called to request an update to my credit dispute filed with Transunion regarding XXXX late payments. I called Transunion today at XX/XX/ and spoke with Transunion representative XXXX. He looked up the dispute and told me that the XXXX dispute was investigated and Transuinion determined that in fact XXXX should not have marked my account late for 4 months and that as a result Transion deleted these late marks on my credit report. I thanked XXXX for providing the information. He also said he will send a copy of the report in the mail. Transunion 's system has been very slow and I've been unable to get a credit report online, which is why I called XXXX. After hanging up with XXXX, I tried to again pull up the online report and miraculously, it worked. However, to my surprise, Transunion never actually updated my report as XXXX promised that they did. All 4 months still show late for XXXX as they originally did despite XXXX confirming that Transunion investigated and confirmed they should not have been marked late. Transunions continual inaccuracies and incorrect information is plaguing my credit report and making it so very difficult to get update and accurate information that I am unable to appeal and don't know the proper steps because they simply lie to get out of doing their due diligence. Please hold Transunion accountable for their habitual and willful neglect. Thank you kindly.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account is in deferment. I have tried to dispute this with the agency and Experian. I have proof. They will not fix.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: FL
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 am a natural person, I am a human being, I have rights under 15 USC 1681. 

Experian and XXXX are govern by 15 USC 1681. And they have violated my rights numerous of times. 
I demand the accounts listed below be deleted. According to 15 USC 1681 : I have the right to privacy and I did not give Experian and XXXX written permission to furnish these accounts and inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
It appears BOA has closed my account ( s ) which were recently opened, I attempted to sign in today, XXXX, an error message stated my info was not recognized, an attempt to sign in made via mobile app and was given the number, XXXX to call ... I called and no reps were available, no hours of operation were left.. I suspect BOA closed my accounts due to past relationship, I had several past accounts with BOA, last one closed in 2009 I believe.. Since I was not able to speak with any rep ( s ) to confirm this, I can only suspect they elected to close account due to past history.. If that is the case, I will need a check for remaining funds in account, a total of {$5.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

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 2018-01-11
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
HARRASMENT CALL SUN LATE AT NIGHT EARLY IN THE MORING XXXX XXXXCONNS THIS PEOPLE ARE NUTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have not been to any kind of medical in a long time and this debt does not belong to me. I have no idea who this is or where it came from but it is not mine.

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 2019-06-18
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have not been to any kind of medical in a long time and this debt does not belong to me. I have no idea who this is or where it came from but it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Source Receivables Management LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was originally placed on my credit report for equipment they said I didn't return, which was actually returned. I disputed it and it was removed. It was later added by another company, I disputed it and it was removed again. Now it is showing up under another company 's name. This is utterly ridiculous!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony bank who holds HSN accts does not allow online viewing of statements & i do not receive them in mail from post office. Online keeps saying they are coming soon, but had been that way for XXXX  months. All i am able to see is total balance & payment due, no other info is shown such as interest charged & previous balance etc. i want to see this info

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 2020-04-07
Company: HW Holding, Inc
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are reporting a collection account in the amount of {$7800.00} on my credit report. This is not my account. I have disputed this several times with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 am filing a complaint against Capital One for refusing to investigate a credit dispute with XXXX XXXX for custom draperies. It was for a transaction posted on XX/XX/XXXX for a total amount of XXXX dollars. 
I was misled by XXXX XXXX XXXX decorator, XXXX XXXX. she installed a completely different style than what we agreed one ( She installed a very cheap drapery style ) .I sent to Capital one pictures of the style we agreed on and the style that XXXX XXXX installed. Even the contractors who did the installation agreed the style installed is different that the style I expected. XXXX XXXX failed to deliver on what we agreed on. Relying on false statements from XXXX XXXX, Capital One closed the case, and refused to reopen it. I had previously filed a complaint through the CFPB with documents of tremendous importance, which should have helped decide the case in my favor. That is only if the investigator was willing to investigate the case. Unfortunately, the agent who was in charge of the investigation called me one time and said that they would do a thorough job investigation the case. But they never did. Capital one failed to resolve the issues. Though i provided all required documents, they denied the dispute based on false statements issued by the Merchant. This is what they said in the letter they sent : " Based on the information we received, the merchants decision not to honor your refund request was based upon the original drapes being incorrectly measured. The merchant advised that they remeasured and reinstalled with exactly what you ordered. As a result, we re-billed the disputed transaction ''. I disputed the charges because i did not receive what the decorator agreed to install. I received a completely different style. That has nothing to so see with measurements. 
I should also mentioned that I tried to resolve the case in good faith with the XXXX XXXX. On XX/XX/XXXX, the same day the custom draperies were installed, i emailed the store manager, letting them know that a different drapery style was installed. They said they would contact me and they never did. I also contacted XXXX, the decorator who even came to my house on XX/XX/XXXX to inspect the installation. She was in agreement that a different style of drapery was installed. She said she would contact her store manager on the next steps. On XX/XX/XXXX, she called me to let me know that she would not redo the installation. 
I have already sent supporting documents to Capital one. With no success I called capital one multiple times.That is why I have decided to file a complaint Through the CFPB

Company response to consumer: Closed with non-monetary relief