BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a checking account online with SUNTRUST ( after moving to XXXX from XXXX to be close to my family during the pandemic ) and during the process, requested a funds transfer from my old bank in XXXX to fund the account. Over the subsequent 14 days, this new account was flagged for 'fraud ' 3 times and 3 times I called customer service and 'resolved ' the issue. I spoke to my bank in XXXX, and they said they were not flagging the transaction and everything seemed okay from their end. This also included one trip to the branch to 'verify ' my identity - the branches are not 'open ' but will do transcations through the drive-through. The final phone call - after spending another hour on the phone, the woman told me I would have to go back to the branch again and verify my identity again. I asked that my checking account, still unfunded, be closed and she said she couldn't do that because of the 'fraud ' but that the account would close on its own. I gave one final effort and contacted my local branch via the phone, twice over a 3 day period, to see if they could help. They said there was nothing they could do if it was in the hands of the fraud division. I filed a complaint with the bank. The branch reps also told me the account would close if I didn't fund it. I'm now getting notices that my account is OVERDRAWN and the account is still active.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-10-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. 
XXXX XXXX XXXX account number XXXX Open on XX/XX/2016 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-03-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, 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:
I mailed in dispute letters to all three credit agencies to investigate and delete incorrect information on my credit reports. There were several accounts that were either incorrect or not mine. The letters were submitted to the credit agencies on XX/XX/2020. It has now been 30 days and I have not been updated with the results of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 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 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 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/22 I logged in to Bank of America on my phone with the app to check my XXXX debit card balance. To my surprise there were XXXX withdrawals made for {$1000.00} each from my account which weren't made by me. I immediately contacted Bank of Americas fraudulent claim line and made a claim for all three. The first which was on XX/XX/22, the next on XX/XX/22, then the last on XX/XX/22. I was told to file a police report which I did on the same day. The officer was too busy to come at that time so it was actually filed on XX/XX/22. I was told it could take a few weeks to receive the report. Meanwhile I received a notice from Bank of America denying my claim with very little explanation. I received this notice before I even got the police report back. Upon receiving the police report I contacted Bank of America again and told them to reopen my claim and I then faxed it over to them. On XX/XX/22 I received the second letter of denial of claim stating they conducted an additional review of my claim it was denied and closed. AGAIN. 
There is no way a true investigation was done for my claim because had there been they would have seen it was fraudulent and reimbursed my money. I am at wits end with this bank and need help. Anything you can do to help in this matter would be greatly appreciated. 
Thank you, 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 2018-10-31
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not believe this is even a debt I incurred they tell me that the debt was made ( XXXX ) in 2013 but it just magically appeared on my credit report this past XXXX, I never received any letters, phone calls, or any correspondence whatsoever. I only recently discovered it because of a financial transaction that I am in talks to make. I called them 3 times and they were rude and uncooperative even when I told them I was willing to take care of this ( even though I do not agree with it, just to get it gone ) if they would remove it from my credit report and they told me NO in no uncertain terms each and every time I phoned even speaking with a supervisor. my financial advisor recommended that I reach out to you so that you may possibly get this right. again I reiterate I NEVER had a chance to even settle this because I never even knew it existed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My school, XXXX XXXX awarded me a federal loan I did not qualify for. It was applied to my account. EdFinancial is the loan servicer and that company needs to complete a reaffirmation form for me so that I can continue my education with the correct loan. The form was completed by XXXX with the information and sent to me. I mailed the form to EdFinancial on two occasions since the end of XXXX and EdFinancial has not acted on that form. 

I have tried calling them, they wont answer the phone. I tried emailing them through their website, they wont respond. I tried faxing them, again no response. Judging from online reviews of EdFinancial, this pattern of non-communication with customers is typical of their service. 

This is a time sensitive issue that must be resolved. I need EdFinancial to act on the form and email me that this has been done. 

I have also filed a complaint through the XXXX XXXX XXXX but they have not taken action yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: DE
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
I have been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.

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 2023-10-16
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/, I requested a payment off amount for the Heloc account as was given an old balance amount from 11 months ago. All payments paid have not been applied and, therefore, still showing a balance from a year ago. 

Because this company has decided not to send out a monthly statement to keep the account holder abreast of balance, interest rate, and/or payments. I am left to no idea what is occuring with the account other than I am sending in payments.

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 2023-06-22
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: Their investigation did not fix an error on your report

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 15USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate, But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 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. 1681 s-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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-03-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Regarding Chase Auto loanXXXX The loan was for a XXXX XXXX XXXX XXXX I traded the car in at XXXX XXXX XXXX XXXX in XXXX FL. 

Chase has been issued and signed for 3 separate checks from XXXX of XXXX. The have not cashed any of them. They won't tell me or the dealership why. I have called over ten times to try to resolve this issue but I'm getting absolutely nowhere. All Chase says, every time, is that they will open an " investigation '' but they won't give me any sort of reference number for my " case. '' XX/XX/XXXX Chase signed for the first check XXXX  Tracking # XXXX check # XXXX for {$10.00} XX/XX/XXXX Chase signed for the second check XXXX Tracking # XXXX Check # XXXX for {$10000.00} XX/XX/XXXX Chase signed for the third check XXXX Tracking # XXXX Check # XXXX ( the dealer neglected to tell me the amount this time ) Chase keeps sending me late notices, they are hitting me with late fees and causing me endless stress. I worked so hard to fix my credit, I just bought a house and now chase is going to give me a XXXX because they won't cash the dealer checks and clear my loan. 

I'm having daily XXXX I can't focus at work, I'm losing sleep ... I have pleaded with chase to resolve this but I get nothing. 

Chase needs to be held accountable for stress and trauma their neglect and incompetence is causing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
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:
I've been trying to get these fraudulent inquiries removed from my credit report for a while now. I told them that i didnt authorize any transactions from these businesses. One of those inquiries is for a gas station... i would never apply forb a gas card because my credit bureau already gives me 3 % cash back plus a whole lot more than some gas card! I also tried to explain to experian that i dont have an account with first XXXX XXXX XXXX but they said they wont fix it because im an authorized user? But they are playing games with me because everyone knows that authorized are not to have their files pulled because ita a breach of private. Im not sure why they are being difficult but I'd appreciate it if you can help me get them removed because i dont want them on my credit report.. then i can move on. Thanks you *** i just remembered that I also have a late payment on my credit report by XXXX XXXX XXXX i just forgot about it after a while because they kept playing games. I paid the account on time... it was just on a holiday ( XX/XX/XXXX ) and i was informed that no late payment would be given. Years later, when i got serious about my credit, i saw the late payment but i already had paid the loan off. SEVERAL times, I've informed the credit bureaus that I was never late but they keep saying that the account was verified? How does that even make sense when im the one who had the car and i know i was never late? Moreover, they cant even get their lies straight! XXXX says i was late on 1 month but then XXXX says another? Please help me with this situation as well so i can finally relax. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: MO
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 sent the credit reporting agency letters stating that my mortgage company was reporting. Inaccurate information I sent proof bank statements of date payments were made and they said they validated or verified that it was true no I sent actual proof of my bank statement, but they didn't send me anything of the process that they did to prove that it was verified so I'm requesting them to remove those late payments from my credit report. 
according to 15 usc 1681s-2 -1681 ( a ) ( 2 )

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 2022-07-22
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights 15 U.S.C1681 section 602A. 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.C166b A Creditor MAY not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a few debt collection companies that keep coming after me and harassing me for medical debt that I am currently exempt from being that I am a college student and qualify for the cares Act and have already received funds through my college because of my financial need. These companies are absolutely ruining my credit and threatening 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 explanation