BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$93.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Oportun was in The Process of XXXX XXXX XXXX, for a {$500.00} Loan. An Employee Filed My Last Name Incorrectly, The Organization on a Recorded Line, Twice Not Only did a regular employee Offer Me To Continue with The Transaction that I plainly stated that My Last Name was Incorrect, But Pressured Me to Continue with The Loan Process. A Supervisor ignored My Request to Correct My Last Name before continuing with The Loan Process, stated I needed to Continue with The Loan Process Because Thats what they had on File, which was incorrect information. As Far as I know This was done on a Recorded Line for Quality Assurance. XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Experian Information Solutions 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 learned through my credit monitoring company that XXXX  XXXX  pulled a credit report without my permission with all three credit bureaus on XX/XX/2021.

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 2019-04-01
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a credit card with TD Bank when I purchased furniture in XX/XX/2018 with the store and paid off the balance. Because the store charged separately for each delivery, a late payment occurred in XX/XX/2018. I called the TD Bank and asked for pay off and waive charged fees. TD Bank 's representative through phone instructed me paying off ( I was given the number I need to pay off ) and confirmed that all fees are waived and the balance is XXXX. 

Because I believe my balance is XXXX I did not go back to check my account for 6 months. 

Recently, I received voice mail from TD bank asking me to call the bank service. I checked my balance and realized TD bank do not waive certain fee called-charges which caused accumulated interest for 6 months- {$250.00} till today. All the online account setting is by default, I were not offered the opportunity to understand waiving of all fees do not cover certain charges ( hiding charges ). As a customer, I am confused and feel unfairly treated by the way TD bank manage and charge credit card account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This company has a very deceptive online interface. The payments must be made within a specific window or it will default you to a non-payment status. Even if you make a payment after the fact it does not apply to the missing payment. However, this is not clear on the online dashboard and the information available on the online dashboard is misleading. It appears as if when you make the payment of the balance due then you are caught up when in fact you are not caught up. Any additional payments you are making forward are not being applied as you think they are because you can not see the same thing that the company is tracking from the dashboard. 

When I asked for a detailed itemized statement to show exactly what payments were received and how they were applied they sent an itemized statement of payments received but NOT HOW they were applied. I was reported to the credit bureau for being 30 days past due ( at 50 days by their count ) because an XX/XX/2023 payment was missed. But on the dashboard I paid two months balances twice and according to the dashboard that was what was due and that brought me current as far as I could tell from the dashboard. I additionally paid extra buffer payments. Yet none of this brought me current. This is very deceptive and I believe it is intentionally deceptive. There were late fees and other fees mentioned to me in the phone conversation, which were also given as additional reasons for why my balance was not dropping and why my payment was still behind when I thought it was current. I do not see any of those on the itemized statement that was provided. I do not trust that this company operates in good faith. This feels like a corrupt practice to intentionally keep your loan principal from reducing.

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 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent several requests to the credit bureau, exercising my rights as a consumer to fair reporting. They have not complied with my requests nor have they completed a timely investigation. There have not been any correspondence with regard to my request for verification of what is reported on my credit file. There are several errors that have not been resolved, nor have I received communication within the 30 days.

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 2022-04-06
Company: EQUIFAX, INC.
State: SC
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:
Someone has my personal information and is using it to damage my credit by opening multiple accounts. I'm not sure what this is or what it could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer ContracXXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2018-05-16
Company: WELLS FARGO & COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX scam using XXXX. Have written confirmation of receiving tickets to XXXX vs. XXXX Game 2 for {$650.00} for 2 tickets. Used fake emails, confirmation # 's, phone # 's, names. XXXX and Wells Fargo can take no action to cancel transaction even though I have informed them it is a fraudulent transaction. I informed Wells immediately and they can do nothing - they really should do a better job of educating their customers on what XXXX is in their online portal, risk associated and differences vs. ACH / other methods ( ie no time to clear, etc. ) Lack of consumer fraud protection with banks and XXXX is a real issue.

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 2023-04-19
Company: RICHLAND HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used to live in a house with my then husband., The lease was in his name, I have a copy. I moved out in XXXX and we got divorced. My ex-husband moved out in XXXX. The landlord sent us both to collections for {$3600.00}. I've tried disputing it with the credit bureaus, the landlord, and I sent a letter with a copy of the lease to the collection agency ( no response. ) I didn't get the original collection letter for me to dispute. My ex-husband is disputing the debt too for his own reasons. The debt is not related to rent owe, but for damages to the property. They kept all the deposits and 1/2 of rent. I'm trying to repair my credit, and this is damaging me although the debt is not mine. Please help 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
Consumer complaint received 2023-03-24
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by a supposedly XXXX XXXX a gaming website. I already go through a agent. However I was looking for a 1st deposit bonus match. I sent {$10.00} through Cash app. After verifing that the suppose agent had set me up a XXXX  account. I kept getting accuses from the scammer and requesting me send more money because the {$10.00} was enough to put on the game account. In which I told him I was sending no more money. To send my money back. After calling him a scammer I was blocked. I However did think to screen shot the whole conversation and that the money was not loaded to game app. I reported to Cash App. XXXX from Cash app told me that they would take action against the scammers account However they where not going to refund me money because they don't do that. 
It was sent to cash tag XXXX XXXX in the amount of {$10.00} at XXXX XXXX  on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Kansas Counselors, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 - sent dispute letters to XXXX XXXX XXXX XXXX  to validate the collection account on my report in the amount of # XXXX and # XXXX XX/XX/2021 - sent dispute letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX again validate the collection amount on my report for the amount of {$280.00} and {$910.00} XX/XX/2021 - sent dispute letters to XXXX XXXX XXXX XXXX  as XXXX as KS Counselors to try and validate the debt/settle the debt because I have still not heard anything from either credit bureaus and ks counselors for the amount of {$280.00} and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

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 2022-04-06
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Overdraft fees charged when not authorized to do so. 

I request removal and refund of a total of {$100.00} in XXXX overdraft fees occurring on XX/XX/XXXX, XXXX, and XXXX, 2022, from the account ( number can be provided ) in the name of the parties XXXX XXXX and XXXX XXXX. Reason for request : Overdraft protection has never been opted into and on numerous occasions, have been actively opted out. I have a screen shot of the opt-out status from the online app, taken on XX/XX/2022, to verify that the opt-out was still in force. 

Efforts to resolve problem : On two occasions, XX/XX/XXXX and XXXX, 2022, XXXX XXXX contacted Truist customer service and after excessive on-hold times, received verbal assurance that the fees would be refunded, but this verbal commitment has not been honored. On or about XX/XX/2022, XXXX XXXX attempted to contact Truist on this account and encountered an unreasonably excessive wait time of more than XXXX hour. 

A formal letter was sent on XX/XX/2022, requesting a refund. There was no response to this letter within 30 days given. A copy of this letter is provided. 

I visited a local branch ( it was unavailable due to this dispute started as a SunTrust dispute. ) on Friday XX/XX/XXXX. Although the representative appeared willing to refund the fees, for technical reasons that I do not understand, he was unable to refund the 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 2023-03-24
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Reported fraudulent activity that occurred on XX/XX/XXXX to cashapp was told investigation would be over XX/XX/XXXX only to find out today it was escalated again which is a stall tactic Cashapp seems to use seeing as though my previous case they have been investigating for almost 1 year they give their employees a robot like response that says there nothing they can do I have the ftc report the attorney general and police report sent to them and its still no kind of effort going into my case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I found some unauthorized inquiries on my credit report which I requested to be removed by their fraud department and I was told to do a FTC report and they can investigate and remove. I did just that and when I called back TransUnion I was told to call every company and request a letter of deletion which I was told they dont do. I called XXXX I was told that they are a software company and dont have my record. I called XXXX I was told that the do not have that inquiry on their system and I was not able to contact XXXX XXXXXXXX and 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 2023-07-10
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:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from 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 explanation
Consumer complaint received 2020-02-04
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XXXX, my loan was consolidated with my ex spouse through Sallie Mae. While divorcing in XXXX XXXX, I begged and pleaded with Sallie Mae to break apart out loans. I was listed as the co-borrower and was worried if my ex spouse did not pay, I would be stuck with the full amount. They refused. The loan went into default. After divorce was final and some time later, I made a arrangements and we began to pay the loan again separately- however I could not make any changes to the loan and was barely able to discuss the loans when I called. Once we began paying the loans, they were transferred to XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Block, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Saturday XX/XX/XXXX my aunt sent me some money to a cash app that I understand the company informed me was not a verified account. She sent me XXXX. I called the company cash app and square up several time to inform them that this account was not mine and that they should refund her after weeks of working on this me and my aunt both called and called they informed me that she would get her money back in 10 days because the account was not verified. Here it is months later and she never received her money back and now this has caused a bad bond between family. I called and called and called they ignored me and stated that since I couldnt verify the account there is nothing they could do for. This is wrong she sent the money to the wrong cash app and they allowed someone to take her money even after she reported it to them on several occasions. They never refunded her the XXXX and now my own aunt flesh and blood no longer trust me. This has caused a lot of pain and suffering and my aunt works hard for her money. We just want to get her money back to her and hold this company responsible for making me and my family now distant. The pain and suffering I have been going through is wrong this is my moms younger sister and my mother is deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On today XX/XX/2023 around or about XXXX XXXX  yours truly experienced XXXX profiling by a white PNC Customer Service Representative. To whom stated that despite me already being verified through the PNC Banks Automated System. She in a racially prejudice manner told me that I had to answer some specific questions to verify to whom I am and as me being a person of XXXX I felt very offended at this poor ethic nature in customer service. And she was actually trying to trap me so that I wouldnt have any access to my account. However when calling back a few minutes later and being connected with a minority customer service representative. There was absolutely no problem with him giving me the valid updated information on my account and prior to me being verified through the automated system there were no request for a second validation. PNC seems to be vindictive towards me. Because about a month ago @ their location XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. As I was doing a transaction inside of the Branch. In which the Branch Manager was filling in as XXXX of the Tellers. During the midst of the Financial Transition. She rudely stated that I could use the ATM outside. However she and many others knows that this is a XXXX XXXX infested crime ridden area. So for the third time PNC @ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Im not a follower of these deceptive lies about this XXXX XXXX being a safe community. So for my safety Ill come into the Branch in which I thought was improving until this and the Security Guard playing the role as a PNC Customer Service Representative. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Was scammed by a fake realtor/landlord. I realized it soon after sending my deposit. Chase Bank did little to help me, even after identifying the funds in the account they were transferred to. I was told I would not be reimbursed, there was " nothing the bank could do '' and to " just be more careful next time. ''

Company response to consumer: Closed with explanation