BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was not receiving regular bills, resulting in a few late fees ( that were waived ), so I decided to close the account in late XXXX of 2023. I had {$470.00} in cashback rewards, and was told by customer service in their rewards service center that I would have 60 days after closing the account to redeem my rewards ( see attached letter from Truist stating the policy ). I had used the card for years and always had my rewards direct deposited to my personal checking account without a problem until this point. 

I tried to redeem them several times and always received emails indicating that there was a problem and the money was not deposited ( see attached email example ). I tried at XXXX different banks, and verified that routing and checking account numbers were correct. 

Here 's the issue : the rewards center folks have a policy indicating 60 days to redeem rewards after closing the account, as I described above. On Saturday, XX/XX/2023, I was on a three-way call with Truist 's reward center and their regular customer service, and learned that those two offices have conflicting policies. The rewards center indicated the 60 days to redeem policy, whereas the regular Truist customer serviced claimed that I forfeited my rewards immediately upon closing the account. Their two policies are irreconcilable. Obviously I would not have closed the account before redeeming my rewards had I known about these conflicting policies, but I was clearly informed by the rewards center ( and the attached letter ) that I could. 

The bottom line is that Truist owes me {$470.00} and they won't give it to me.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 TRANSUNION WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

XXXX XXXX EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD EXPERIAN I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, XXXX XXXX, XXXX, XXXX my name needs to match my officail documents

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 2021-12-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, a consumer, the natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX XXXX XXXX : ( XXXXXXXX XXXX XXXXXXXX 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 2023-10-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding my victimization in the Equifax data breach that occurred in XXXX. I would like to express my deep concern and frustration with Equifax 's negligence in safeguarding my private information, which has resulted in significant financial and personal repercussions. 

In XXXX, my personal information was compromised due to the Equifax data breach, during which my sensitive data was hacked and used without my consent. This breach of security had far-reaching consequences as the perpetrators exploited my personal information to open bank accounts and obtain credit in my name. As a result of this breach and Equifax 's failure to protect my data adequately, I have endured severe setbacks that have persisted for years. 

To address the ongoing issues arising from the breach, I promptly took steps to protect my financial well-being. I placed a credit freeze on my credit reports and initiated the lengthy process of disputing and rectifying fraudulent accounts and activities that were attributed to me. These actions have been time-consuming and emotionally taxing, requiring countless hours of effort to clear my name and reestablish my financial stability. 

Furthermore, I submitted a XXXX XXXX XXXX form provided by Equifax to quantify the losses I incurred as a direct result of their negligence. The losses I suffered due to the breach amounted to a total of {$12000.00}. Despite providing all the necessary documentation and information, Equifax has failed to respond adequately to my claim. They have not issued a settlement check or even attempted to reach out to me for further clarification or resolution. 

This disregard for my legitimate claim and the ongoing issues stemming from the data breach have caused me considerable distress and financial hardship. Equifax 's failure to address these matters appropriately has further exacerbated the negative impact on my life, making it even more challenging to regain my financial footing. 

I am seeking the assistance of the CFPB to hold Equifax accountable for their negligence, lax data security practices, and lack of responsiveness in addressing the issues arising from the data breach. I kindly request that you investigate this matter thoroughly and take any necessary actions to ensure that Equifax fulfills its obligations to me and other affected consumers. 

Thank you for your attention to this serious matter. I eagerly await your response and any assistance you can provide in resolving this grievance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: MA
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to you once again in regards to the loan you have on file as RE : XXXX Reference # XXXX, Property address:XXXX XXXX XXXX XXXX , FL XXXX, Source file # XXXX. 
Mr. Cooper has indicated in previous responses that XXXX XXXX is the owner of the loan. Please provide the XXXX XXXX loan number. XXXX XXXX states : The servicer must maintain permanent mortgage account records for each loan it services for XXXX XXXX. The records must be identified by XXXX XXXX loan number ( and any related participation certificate or MBS pool number ) in addition to any other identification the servicer uses. Also, it is my understanding that as the current servicer of the loan, Mr. Cooper is required to have full & complete accounting records from " origination '' to present. If any accounting is missing-all numbers are questionable. CDS 's are credit default swaps-All 3rd party payments, properly accounted for, should serve to reduce and/or extinguish any outstanding obligation ( the note ). There must also be evidence of proper negotiation, transfer and payment, which should accompany the " original '' note to give it credence and enforcability. XXXX XXXX has a discrepancy with the principle amount Mr. Cooper/Nationstar Mortgage, LLC was attempting to collect. The amount reported by XXXX XXXX is not the same as the amount reported by Nationstar Mortgage. There is no loan. Nationstar Mortgage has been collecting on a debt which was paid off and does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the morning of XX/XX/2020 ; I was using my debt card at a gas station. My card card was canceled without my knowledge or consent. I contacted customer service and was transferred to a persona named ( XXXX  : XXXX ) Employee ID XXXX  ; He was very snark with remarks claiming to be " XXXX XXXX '' but I can call him " XXXX ''. After an hour of speaking with " XXXX '' he refused to escalate my concerns to his manager. Claiming not to have a manager and I can only file an internal complaint with him about his conduct. He then kept me on hold for another hour claiming he was working out of Montana, when the are no Bank of America locations in Montana. I recorded the conversation as evidence for a lawsuit since he thought it was so amusing. I like to be amused as well and a reimbursement for the time spent dealing with his lies would give me nice chuckle. 

All in all it was if these are the people representing BOA them we should consider working with another financial institution.

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 2022-11-11
Company: TFC Credit Corporation of California
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:
This loan was secured to complete my education, however the institution I was attending has permanently closed due to XXXX as of XXXX XXXX. When I spoke with the members of the staff at the institution and the lending company, I was lead to believe that this loan would be voided as the service and the school where not able to fulfill the obligations of the contract. I have attempted to reach out recently as I am trying to purchase my first home and this loan is still showing on my report, thus preventing me from getting approval. I have tried calling the service line for the past few months but I only get a line that plays some type of XXXX XXXX XXXX XXXX XXXXXXXX than beeps to leave a voicemail, which I have a few times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
So i've noticed my interset rate went up by half percent every month from XXXX XXXX so i called my istitution which was Chase Bank XXXX The answer i got its because of inflation interest goes up so the credit card company dont loose money. So how is it even lawful to change my interest without written notice to me 45 days prior first of all. Second of all inflation in a country everything cost more and credit card company charge you more so they recover. how about my salary. it stays the same. Card workers told me to read it in a XXXX XXXX XXXX about interest going up. Government needs to step up for little people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: MI
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:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My financial history with XXXX should be private. 

Per the terms and conditions of XXXX it is noted they agreed not to share my information with non-affiliates. Experian is not an affiliate of XXXX. 

Per the SEC filing of XXXX it is agreed upon they would not commit securities fraud when handling transaction of consumers. Any certificate of indebtedness with a balance of {$1.00} or more the balance is credited to the consumer. Reporting this account as a late is a violation of the oath XXXX agreed to under the Securities Exchage Act of 1934. I have not received my check for the credit amount of this account. 

XXXX and Experian or both in violation of the Fair Credit Reporting by knowingly furnishing this information as negative and reporting my financial history. 

XXXX is in violation of the Fair Debt Collection Practice Act as they continue to collect an amount not owed and Under the International Bill of Exchange and Promissory Act my signature created the promissory note that XXXX transfer agent securitized. To gain and not give fair exchange is a violation of my federally protected rights.

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 2023-04-07
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 603A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/or authorized the release if any goods or materials under these listed accounts. I wish to dispute these fraudulent items under the provisions of the law and am requesting a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows : 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 2022-11-11
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last XXXX I paid my Macys credit card in full. I received a payoff figure and made the payment which left no balance on the account. I purchased an item with the card, which I immediately returned. The return was not processed and credited to my account for several weeks. Macys has charged me late fees and interest on this account for this purchase. The original amount of the purchase was {$28.00}. The balance currently on this account is XXXX which is comprised totally of fees.and interest. I have not used this card since that purchase in XXXX. Citibank is refusing to reverse these late fees.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX acc name XXXX XXXX XXXX XXXX XXXX # XXXX acc name XXXX XXXX XXXX # XXXX XXXX NAME XXXX XXXXXXXX NAME XXXX XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. states i have the right to privacy.

15 u.s.c 1681 section 604 A section2 : it also states a consumer reporting agency Connot 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, other than records of than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1861s-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 accurate.

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 2022-01-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2023-07-05
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT XXXX XXXX XXXX  XXXX. 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 an 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 item 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 2022-12-15
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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