BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-16
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There was a banking error by Truist in XXXX of this year in their ability to withdraw funds from XXXX XXXX XXXX via XXXX payment that has been set up and working with Suntrust ( now Truist ) for more than 10 years. 

We contacted XXXX XXXX XXXX and they tried to assist us by contacting Truist banking to let them know funds were in the account at the time and that XXXX saw a banking error with the payment pull by Truist. Truist has been contacted by XXXX several times and will not admit their mistake. We have contacted Truist Banking and they will not listen to us either and will not accept their company made a simple banking error which is now being reported as a late payment on our credit. 

Truist will not listen to anyone and repeatedly states they have never made a mistake even though we've reminded them of instances where are payments were reported to have never been received only to find out Truist deposited our funds into someone else 's 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I Open up a business account with chase my business name is XXXX XXXX XXXX XXXX number is XXXX i was told my account was being closed which i think is wrong i havent even use it yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im a living human being, a natural person, I have filed complaint after complaint to inaccurate account information with company not providing verification of information complete refusal. I have rights under 15 USC 1681 TransUnion is governed by 15 USC 1681 an they have violated my rights numerous times. I demand the accounts listed below be deleted because XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to 15 USC 1681 I have the right to privacy and I did not give credit reporting agency written instructions permission to furnish these accounts- Section 623 ( a ) ( 3 ) missing notice of dispute- Section 611 ( a ) ( 1 ) failure to investigate items within 30 days gives reason to delete 15 USC 1681s-2 ( b ) reporting of information after notice of errors-15USC 1681e ( b ) accuracy of report- 15USC 1681n Civil liability for willful non compliance -15USC 1681i ( 5 ) ( A ) ( i ) treatment of inaccurate or unverifiable information provide in case of dispute accuracy by credit reporting agency. 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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-05-10
Company: EQUIFAX, 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:
You are using XXXX XXXX XXXX to collect, furnish, share, disclose, publicize, and report information about me that has resulted from Identity Thief as defined by 15 USC 1681a ( q ) ( 3 ) ( 4 ). 

I have a right to privacy per the constitution and the Fair Credit Reporting Act, and to breach my privacy you must have expressed ( written ) consent showing that I agreed to have my information shared. 

As a result of your actions, I have been deprived of my right of contract and credit extension due to defaming my character. Resulting also in a substantial loss of income. 

This is my second attempt advising of the defamation of my character and my right to privacy being disregarded. Unless you can provide me with PROOF that the original creditor had lawful authority and or consent in accordance with 15 USC 6802 ( b ) ( 1 ), to share my information with you, and PROOF that I was given the option to opt out of having my information shared, I demand that your company immediately Block and or Delete all derogatory marks from my consumer report ( i.e., closed accounts, charge offs, late payments, credit utilization, repossessions, collections and evictions ) within 4 days pursuant to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
DEPT OF ED/XXXX Balance {$1400.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$1100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF EDXXXX Balance {$8800.00} Balance updated XX/XX/2023 This account shows incorrect information on late payment, I have never had a late payment on the XXXX loan accounts and this is wrong information i need this to be fix i try with the lenders but i haven't receive any answers.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards METRO 2+. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. 
Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 non-monetary relief
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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/2018 my account was compromised with an electronic withdraw of {$390.00} that I did not authorize. I reported the transaction immediately at the XXXX, PA branch and closed the account. I was told that I should be reimbursed for the funds that were taken from my account within 6-8 weeks, it is going on 10 weeks and I have not received my funds back ; the claim is still pending and I feel like I'm getting the run around when I talk to the bank. 

I was mailed out an affidavit to sign and notarize more than a month after the claim was opened ; I have since found out this should have been given to me to me the day XXXX filed the claim or shortly thereafter. I'm certain this would be cleared up by now if the proper steps were taken. 

I have most of my bills paid through automatic withdraw from my creditors and there were a few that were pending, I left money in the account to cover the withdraws for my credit cards. However, there were 2 payments that I was not able to stop, the bank made the payment which overdrew my account. I specifically asked the person that was assisting me with this issue if payments couldn't be stopped and the account became in the negative how that would be handled. She told me that it would be alright, that when the {$390.00} was put back into the account it would cover any overdraw of the account. In the meantime I requested a provision fund deposit ( which I was told could be done ) of the {$390.00} into my account until the claim was settled to cover the negative balance of {$140.00}, this was approved which I have a voicemail stating so. The provisional funds were not deposited and now the bank has charged off the account. I feel that Citizens bank did not do their due diligence in handling my fraud claim starting with not giving me the paperwork that needed to be completed in a timely manner, then by charging off an account that is in a fraud claim status through no fault of my own. 

I have attached a copy of the fraudulent check that Citizens bank paid. The address on the check is not my address, I do not even know where this address is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
THESE ITEMS IN MY CREDIT REPORT FILE ARE UNAUTHORIZED ALL IS BEING INVESTIGATED BY THE FTC. THE FOLLOWING INQUIRIES ARE ALSO UNAUTHORIZED. 
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 explanation
Consumer complaint received 2023-06-28
Company: Resurgent Capital Services L.P.
State: CA
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:
XXXX XXXX is in violations FCRA 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: Affirm Holdings, 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:
AFFIRM CASE ID # XXXX My personal information was used without my permission and used to open AFFIRM loan account and is now in collections. I discovered this fraud and emailed AFFIRM the requested affidavit fraud form. They have not responded within the promised XXXX hour time frame. The account has caused my fico scores to dip significantly and I am requesting for AFFIRM to immediately rectify the error and delete the fraud accounts from XXXX and XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX wasn't XXXX I was to rent bldg XXXX prorated rent for XX/XX/XXXX XXXX wasn't ready to rent requiresd major maintenance bathroom and bathtub ( unuseable ), kitchen also needed to be resurfaced maintenance work order completed XX/XX/XXXX had to wait before removing plastic maintenance didn't do clean up. XXXX days before completed. Leakin walls flooded carpet had to be cut in order to prevent mold. provided large portable electric heater to dry water damage for XXXX days increasing electric {$100.00}. They charged me $ XXXX for parking withour having a car for the fees {$240.00} total. 
received national credit systems a bill for {$3200.00} balance forward {$2500.00} and added {$910.00} fed XXXX rent moved XX/XX/XXXX with paint, carpet cleaning, cleaiing total bill {$3900.00} requested a detail of balance forward couldn't provide.I went to debtor XXXX and was told no balance due account closed. National hasn't responded to calls letters and hasn't removed it from my credit reports. They have even sent email to pick up packages in XX/XX/XXXX. National has charges after XX/XX/XXXX open date XX/XX/XXXX. I can provide documents if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Inaccurately reporting and processing payments. Also erroneously manipulation data on payments made towards the account. Capital one also abusing fraud tools by falsely flagging my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX To Whom It XXXX Concern : I have submitted a dispute on a Debt with my Primary Care Physician who does not have any record of this debt. The reporting group is the Financial Credit Network of XXXX XXXX. I challenged this debt and believe it to be fraudulent and all I received back from XXXX was the debt was confirmed. 

All documents related to this issue are attached. 

This is either a fraudulent charge or a debt from long ago that I am unaware of but I want this investigated fully. If it was my debt I will pay it or have my insurance pay it. I do not believe that to be the case. 

Additionally, the dates of service are constantly changing on this debt, which makes no sense other than to be deceptive. If it is XXXX debt, the date should remain the same. I have never talked to this group or company. 

Why do I make this claim of fraud ; all I can see is that this debt is from XXXX XXXX, which has been my primary care physician and has been since XXXX. I live in a small town and we have XXXX hospital, XXXX XXXX and everything goes through them, they have always been fantastic for me and my family 's healthcare needs and I have friends and family who XXXX XXXX XXXX This is a very serious issue for me. 

My medical insurance is XXXX, it is state-sponsored and I have no deductibles, all my medical expenses are paid 100 % and this enables me to NOT have any medical debt of any kind. This can not be an actual medical debt of any kind or it would be 100 % covered. 

Please find attached my XXXX XXXX card, I have been under XXXX since XXXX and remain so to this day. 

If this is a real debt it would be covered under my policy. 

I want to see the original hard copy of this debt, the dates service was received and for what and why this was not addressed by XXXX  with my dispute. XXXX is a serious issue and I demand to see what this accusation is about. And, if it were an actual debt I would want to get it resolved immediately! 

XXXX XXXX has all of my insurance information, if this debt was real, they would have no problem receiving payment from me or the XXXX of California. I want to get this resolved and I feel I am either being scammed or this is a fraudulent claim. 

Sincerely, XXXX 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 2023-08-21
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 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 non-monetary relief