BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The chief lending officer asked me to set up a corporate A/C with a initial deposit of {$3500.00}. He and the Audit officer at the bank told me that once this was done a private investor would deposit funds of {>= $1,000,000} as a loan to my company for acquiring XXXX XXXX. I made a {$3500.00} deposit on XX/XX/XXXX XXXX 
I was told an Corporate A/C had been set up and I was given the login info, The info did show that there was a deposit of {>= $1,000,000}, But I could not initiate any transfers or transactions. 
A few days later when I tried to login I got a Suspended a/c message. I offered to meet the lending officer and the Audit officer at their office in XXXX NC at my expense. But they told me that meeting them would serve no purpose. 
The lending officer now wants me to deposit another {$1500.00}. Once this is done he says he will do some kind of offline transfer of the funds to my XXXX XXXX  A/C. He refused to explain why this was needed. He also refused to explain the nature of an offline transfer I want access to the funds. Everything was done on line 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 2021-07-31
Company: Experian Information Solutions Inc.
State: TX
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 just got an alert of an account that has shown up on my credit report that is not mine. Please remove the account information off my account immediately. 
Here 's the information - Account Number : XXXX XXXX XXXX XXXX XXXX Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Account Balance : {$1300.00}

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 explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: MS
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 : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. 
this could be it XXXX  : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the XXXX XXXX XXXX XXXX page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. 

XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... XXXX XXXX XXXX, U.S. District Court, XXXX XXXX XXXX California, No.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act these accounts have violated my rights. 

Account Name : 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 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 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.

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 2018-10-17
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My XXXX XXXX mortgage Loan service was transferred to Nationstar Mortgage XXXX d/b/a Mr. Cooper on XX/XX/2018. FHA XXXX XXXX loan is negligent on transferring my loan to a servicer with a history of consumer violations and penalties. Mr. Cooper the new loan servicer has not contacted me about any such transfer or what account to pay my mortgage to. Without refinancing I want this transaction voided. I have not even made my first mortgage payment to Mr.Cooper and they already violated my consumer rights by not contacting me within 30 days of the XXXX letter notice I received dated XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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 XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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

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 2021-07-31
Company: EQUIFAX, INC.
State: TX
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 just got an alert of an account that has shown up on my credit report that is not mine. Please remove the account information off my account immediately. 
Here 's the information - Account Number : XXXX XXXX XXXX XXXX XXXX Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Account Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-01-26
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$4300.00}

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 non-monetary relief
Consumer complaint received 2023-01-09
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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, XXXX, and Experian in the middle of the year 2021. It is now a new year and I still haven't received anything back from either reporting agency. 

According to 15 USC 1861i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Experian have 30 days to respond to my dispute. 

This is a violation of my rights according to the USC laws. 

Account info : 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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is in response to complaint XXXX regarding Transunion. They mailed me correspondence basically implying that they did not believe that I submitted the complaint, and they were not removing the account even though it is identity theft. I have already submitted a FTC complaint and the account has already been removed from my XXXX report, so I am having a hard time believing that Transunion did anything to complete the investigation. I do believe that this is a stall tactic in order to keep the inaccurate account on my credit report. Once again, the account in question- XXXX XXXX XXXX is not MY account so I am demanding that this account be removed from my credit report immediately before I am forced to seek legal action. Transunion has violated so many FCRA regulations and I will be seeking {$1000.00} per violation. I also reached out to XXXX, and they have not been able to provide any information linking me to opening this account. How are you continuing to report an account that is unverifiable? Remove this account within 15 days from receipt of this complaint. I will attach the FTC report and the stall tactic correspondence I received from Transunion.

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 2020-03-30
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Gateway One Lending & XXXX I had a loan with them. They just sold it to Santander Consumer USA.  There was no communication or no notification. They just closed my account which brought by credit down. Very pissed about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on youXXXX HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Virginia medical privacy rules XXXX I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This a follow up complaint to my original one below is my original complaint as follows XXXX on XX/XX/2022. I couldnt unlock my debit card to use it. Chime was having issues where nobody could unlock thiers card. This issue caused me not be able to get gas after work to get home. I had to wait at the gas station for XXXX hours before the issue was resolved. This inconvenience caused me to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Because I was late I had to pay my XXXX XXXX XXXX XXXXor being XXXX hours late. This was very inconvenient and embarrassing not to mention a waste of my time. This is not the first time Chime had this problem. There has been many times this has occurred. I sent an email to Chime customer service explaining everything that happened. There response was thanking me for the feedback and they will try better next time. I feel I should be compensated for the extra money I had to pay the babysitter and for my time wasted. I made that clear to Chime. I could understand if it was a XXXX time thing but it was not. On numerous occasions Chime has had this problem. I feel that this should never happen we put our trust in the people holding our money with the belief that when ever we need to use our money we should be able to. Without any hesitation or problems. 

Per your response to the original complaint you indicated you did an investigation. Per your words below To note, you also mentioned in your complaint that there was a known outage during this time regarding Chime cards. We want to inform you that we found no outage when reviewing the month of XXXX in regard to your complaint. 

This a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was found during the month of XXXX XXXX your tweets and the status page of your services proves that you are straight up lieing. You tweeted on XX/XX/XXXX the day in question that members were having difficulty turning on and off transactions. Not only were you having trouble on that day. You were also having issues the next day XX/XX/XXXX consisting of the same exact problem from the previous day in which you also tweeted that day that there was issues in turning on and off transactions. So for you to say you did an investigation and found no issues were found for the month of XXXX is a straight up lie. That is totally unacceptable and quite frankly a huge issue of distrust if you do not take this seriously and keep trying to lie about the problem that was clearly documented that tgere was a problem I will choose to take another route which will involve lawyers and class action suits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation