BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
While checking my balance on Sunday XX/XX/23 I noticed fraudulent charges pending from XXXX and XXXX totaling XXXX. I locked the account and called Truist immediately to dispute the charges. After reviewing the disputed charges with the representative I was ensured that another card would be delivered and no further action was needed. Wednesday XX/XX/XXXX I notice that the pending charges have gone thru and the app shows no pending disputes. I then manually dispute the charges again from the app. After an hour on hold I am informed that no case for the charges had been opened prior to the action I took in the app and I review the disputed charges with the representative again.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
I have a secured card through XXXX. My payment was due on XXXX. I logged into my account on XXXX and processed payment through external account. That payment cleared my external account on XXXX. Go to bank is not recognizing that my payment was made on time which was on XXXX. They are using XXXX day processing time as payment date. Thats how long they claim it takes to transfer money from an external account. This is not correct. Other banks recognize the day you make the payment as payment date not the date XXXX finalize external transfer.

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: 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 in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2020-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
while checking out at XXXX in XXXX of XXXX I got a XXXX dollar cash advance on my credit card. My bill now shows 2 separate balances, one for the XXXX dollars and the one for the rest of the balance on the card. This card is now thru capital one bank as XXXX has recently changed banks. I have now been charged interest on the full amount of that cash advance 3 times and the balance has not dropped it has actually gone up since making the advance. I asked capital one about paying off the cash advance and they said i would have to pay the entire card off to do that. My terms on the card have a XXXX dollar cash advance on it which is now only available XXXX. The credit card act of 2009 states anything past the minimum payment on the card should go to pay off the balance of the cash advance and I am paying XXXX dollars more than the minimum payment each month. The interest rates are the same for the balance and the cash advance. So im not sure if i am being charged anymore interest than if it were all one charge. But i do know this is affecting my credit score by changing the available cash advance on my card versus that amount i am given

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, 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:
In accordance with 15 U.S.C 1681c-2, it is mandated that a consumer reporting agency promptly block the reporting of any information in a consumers file that the consumer has identified as originating from an alleged identity theft incident, with a requirement for action within 4 business days upon receipt of such identification.

However, I must express my concern that despite the statutory requirement, it has now been 30 days since I brought this matter to your attention. This extended delay constitutes a clear violation of the law, especially considering my status as a victim of identity theft. I kindly request the immediate removal of these disputed items from my consumer report, as their continued presence is in direct contradiction to the law.

Moreover, I would like to draw your attention to 15 U.S.C 1681b, which delineates the permissible purposes for consumer report furnishing. Subsection ( a ) ( 2 ) stipulates that a consumer reporting agency may provide a consumer report only in accordance with the written instructions of the consumer to whom it pertains. It is essential to underscore that I have never provided any written consent or instruction to any consumer reporting agency to report the items in question in my consumer report. This situation is a direct violation of my rights as a federally protected consumer. 

I wish to emphasize that the absence of consent amounts to identity theft, a matter of significant concern ( My FTC Report XXXX : XXXX ). Therefore, as a consumer, I firmly demand the immediate deletion of the accounts and inquiries question from my consumer report to rectify this violation. 

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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: United Shore Financial Services, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to express my deep dissatisfaction with the handling of my mortgage account by United Wholesale Mortgage. Despite reaching the required equity threshold of 23 % in my home, I have encountered significant obstacles in having my Private Mortgage Insurance ( PMI ) removed, which is both frustrating and unfair.

I have been a loyal customer of United Wholesale Mortgage since 2019 and have always made timely payments towards my mortgage. It is disheartening to experience such a lack of responsiveness and assistance when attempting to address an issue that should have been resolved promptly. 

According to my records, I currently hold 23 % equity in my home, exceeding the required threshold to eliminate the PMI. However, I have been informed by your representatives that I need to obtain an appraisal to proceed with the removal process. This requirement is perplexing and contradictory to the terms and conditions of my mortgage agreement. 

As a responsible homeowner, I have diligently monitored the market conditions and observed the steady rise in property values in my area. It is evident that the value of my home has appreciated significantly since the time of the loan origination, further strengthening my case for PMI removal. Requiring an appraisal under these circumstances is not only an unnecessary burden but also an unjustifiable cost that I should not be obligated to bear. 

I kindly request that United Wholesale Mortgage promptly reviews my case and takes appropriate action to remove the PMI from my mortgage. 

My corncerns were not addressed in a timely and satisfactory manner, and I had no choice but to explore alternative options, such as filing a complaint with the appropriate regulatory authorities or seeking legal counsel to protect my rights as a homeowner. 

I expect a swift and satisfactory resolution to this matter. 

Thank you for your immediate attention to this matter. I trust that United Wholesale Mortgage will rectify this situation promptly and restore my confidence in your institution 's commitment to providing excellent customer service. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of XXXX I paid for XXXX XXXX for my cell phone use. That card had fraud and a new card was issued. A new card immediately had fraud and the money give to XXXX XXXX was taken from the cell phone carrier. I was with out a phone and needed one. I stopped using my old phone and got another phone and carrier in may I asked my card to refund me the money for XXXX XXXX which I paid the Citi card with a check. Citi said they paid XXXX XXXX and I called XXXX XXXX and they said they were not paid. Back on forth I called Citi and XXXX XXXX  asking for my refund. I called each XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, finally on XX/XX/XXXX I called XXXX XXXX they said the money will be sent to XXXX to an old card ending in XXXX. I told him it was cancelled he said don't worry they know it's your account. I called XXXX and a man at Citi named XXXX said don't worry we will issue you a new card in 5 to 7 days I would receive it in the mail but on XX/XX/XXXX there was no new card so I called Citi again three times that day one said my account was closed and gave me a number to call in there XXXX XXXX Department .... The automotive system has no number to push to help me so I called Citi again said I was going to fill a complaint and a man named XXXX said Citi was not issuing me a new card but closed my account and will refund me the money of {$270.00} and it will be sent in 7-10 days and reference number to that was XXXX XXXX XXXX 
Still no refund.

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 2018-08-24
Company: Perfection Collection
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company called my children and used abusive language on their voicemail in regards to my account. They threat me on the voicemail and told me I better make myself available to be served when they are in my area. I have not received any phone calls or letters from them about a bill. The account with the original creditor was closed two years ago. I want them to stop contacting my family members and discussing information with them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: GA
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:
Was told by agent he can help me with looking to fix some things on my credit report I told him I don't want to run an inquiry at this time at this point he was already running my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX XXXX but it is still reporting on TransUnion. I sent a debt validation letter and student loan letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, XXXX XXXX XXXX. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is participating in fraud with XXXX XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.

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 2020-11-27
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the 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 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 2022-06-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I canceled my XXXX XXXX  membership in XXXX, XXXX. The spoke with XXXX XXXX 4 times as well as disputed the charges with Chase. Chase continues to allow XXXX XXXX to bill my debit card for a monthly fee of {$34.00}. I don't know what to do to get this charge to stop. I have contacted the merchant. I have email proof as well as disputed the charges with Chase. 

XX/XX/XXXX {$34.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$34.00} Please assist me in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-27
Company: Experian Information Solutions 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:
I have tried to fix this issue with each credit bureau, XXXX, Experian and XXXX for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: PA
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 have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter. I am sending this letter certified mail, return receipt requested so that I will have documented confirmation of delivery. I will also send a copy of this to the CFPB. 
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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX - DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX  XXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXXXXXX XXXX  XXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion 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 of 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