BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a deposit in my Truist bank account to make a payment and Truist could not make the payment. I asked what the issue was and I was told the money was frozen. Even though I have gone multiple times I have visited the XXXX location inquiring about what was going on I have not received a favorable answer.

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 2022-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is my second time reaching out to the agency about Bank of America not honoring my claim dispute with XXXX. In XX/XX/2022, I contacted Bank of America and informed them that my account was fraudulently charged by XXXX in the amount of {$230.00}. In XX/XX/2022, I filed a complaint with the CFPB because my claim was denied by Bank of America. In XX/XX/2022, I received a call from the XXXX XXXX representative and she explicitly told me to refile my claim because the initial dispute was incorrectly filed as a billing dispute. Accordingly, I filed my claim again with Bank of America and my account was issued a temporary credit. Well last week, I received a letter indicating that my claim was denied because it was a duplicate. This is ridiculous and I followed all instructions provided by the BofA representative. Most important, their response letter affirmatively told me to refile my claim. BofA is violating my consumer protection rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The following auto Loan account, student loan accounts, credit card accounts and hard inquiries currently listed on my Trans Union, XXXX and XXXX credit report are unauthorized and not my accounts, student loans or hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-24
Company: Monarch Recovery Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My good friend for more than 10 years of friendship stole my personal information to rent a house with utilities included to other people. She is a XXXX XXXX XXXX  but she wanted to get extra money so I discovered that she use my information to rent to other people that have no credit history or bad credit and no legal documents. They were willing to pay extra money since they had the money but not the documents needed to rent a luxury apartment. This person use my information and others people information around her to do this type of frauds. I went to the police, reported the fraud and I also call XXXX XXXX and XXXX XXXX I sent them all the proof that I didnt use those services during that time. I also went to the apartment under my name and they stated that I wasnt the same person that use to live in their apartment but everything was under my name. I was on the process to buy my first house and i was ready to qualified but now I have to extend those plans because my credit is not good. I have all the proof this was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021, I received notice from Ally Bank stating that they are closing out my account due to a business decision under the terms of service on or about XX/XX/2021. As of this date, {$4500.00} was retained within the account. Ally Bank has already issued one check in the amount of {$590.00} on XX/XX/2021, but the remaining {$3900.00} is still being held within the account for no other 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 2021-05-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$250.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
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:
There is in excess of 10 inquiries on my credit report which I did not authorize all in the same time period. I tried to resolve it with a credit bureau XXXX and I was told within 24 hours that the inquiries were all valid and would stay on my report for 2 years. There are no loans or credit lines in any of these places that have inquiries. It is impossible that i authorized this and it seems to be illegal to tell me within 24 hours without proper investigation that they are valid. The false inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: SYNCHRONY FINANCIAL
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received a fictitious email about my PayPal account sending money for an unauthorized phone purchase. The email and phone number for PayPal is not a legitimate number. I have heard of others in my area who have fallen victim to this scam. 
This is not through PayPal at all it is not affiliated with PayPal it is someone using PayPals registered trademark and name to scam people with a fake purchase. When you call the number associated to complain that you didnt authorize the purchase, they want you to send them cash cards or gift cards to Verify your identity so they can clear the supposed purchase. Additionally the email from ( XXXX XXXX at XXXX ) is probably fake or hacked by the scammer. Hope you can track this liquid waste and burn them til they turn into methane!

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX 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 non-monetary relief
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 non-monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: MD
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX FCU XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these ACCOUNTS ( A ). It is not permitted to report these ACCOUNTS as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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 non-monetary relief
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Delete this account. 
XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Delete this account. 
XXXX. Validate Inaccurate/Reported Late payment XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Identity Theft XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted. 
XXXX. Validate Inaccurate/Reported Late payment XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO 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 2022-11-23
Company: NAVY FEDERAL CREDIT UNION
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: Card was charged for something you did not purchase with the card

Complaint:
With XXXX XXXX, my name is XXXX XXXX. I am writing you guys to informed you of the malpractice and fraud that Navy Federal credit union operates in and how they have violated the XXXX. Navy Federal has threaten your credit rating as well as relay derogatory remarks on my credit report and I have been shown as delinquent, accelerate your debt, they have also restrict my account because your bill is in dispute. And I have used your XXXX rights to dispute the charges. In addition, its against federal law for creditors to discriminate against credit applicants who exercise their rights in good faith under the XXXX. For example, navy federal credit Union has denied me credit just because I've disputed a bill. they creditor must explain to you in writing the corrections that will be made to your account. In addition to not crediting my account, they have not removed any finance charges, late fees, or other charges related to the error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom It May Concern, I am writing this letter to express my dissatisfaction and frustration with TransUnion 's consistent violation of my FCRA rights. Despite my repeated attempts to dispute and correct inaccurate information on my credit report, TransUnion has failed to conduct a proper investigation and remove XXXX XXXX XXXX  and XXXX XXXX from my credit report. This is the fifth time I am pursuing the same dispute with TransUnion, and I have not encountered similar difficulties with XXXX and XXXX. 

On XX/XX/2023, I opened my fourth dispute with TransUnion and mailed out new FTC Report and new supporting documentation that were 50 pages worth. However, to my surprise, TransUnion did not accept them. This is extremely unprofessional and unacceptable. I have been waiting for months for TransUnion to take action and remove these inaccurate accounts from my credit report. The fact that I am writing a second complaint shows how TransUnion is okay with violating FCRA laws which is illegal. 

I am requesting that TransUnion immediately remove XXXX XXXX XXXX  and XXXX XXXX from my credit report. I have provided ample evidence that these accounts do not belong to me, and TransUnion 's failure to act on my dispute is causing me undue stress and financial harm. As a consumer, I have the right to accurate and up-to-date credit information, and I expect TransUnion to comply with FCRA regulations. 

I urge TransUnion to take immediate action and resolve this matter promptly. I expect to receive written confirmation from TransUnion within 30 days that the inaccurate accounts have been removed from my credit report. 

Thank you for your attention to this matter.

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 2023-11-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My complaint is on Care Credit by Synchrony Bank. I applied for the credit card in XX/XX/2021 to help pay for XXXX. I charged the {$4500.00} to the card under a no interest for 24 month promotion. The promotion expires in a few days and they added $ XXXX in interest. I asked how much I had left to pay on the promotion and it is almost {$3000.00}. They stated if I paid that amount before the next due date, they would cancel the interest. I have made {$4200.00} in payments during the 24 months. They stated that I could not chose to have those payments applied to the promotion and that payments are applied as they see fit. I would be happy to pay the remaining {$210.00} before the next due date to cancel out the interest. Yes, I made other purchases over the 24 months, but that interest wouldn't total up to {$2900.00}. The fact that I have made that much in payments but only paid down the promotion by less than {$1600.00} is a scam and predatory.

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 2023-09-18
Company: GOLDMAN SACHS BANK USA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to express my extreme dissatisfaction with the service I have received regarding my XXXX savings account. My account has been locked for two weeks now, and despite multiple calls to customer service, the issue remains unresolved. 

XXXX of Events : XX/XX/XXXX : I called customer service and was informed that my account was locked due to identity verification issues. I was told that an affidavit of identity would be mailed to me within 7-10 days. 

XX/XX/XXXX : I called again to follow up and received the same response as before, with no new updates or solutions offered. 

XX/XX/XXXX : Despite waiting for the promised affidavit, I have yet to receive it. Another call to customer service yielded the same response as my previous interactions. 

I have approximately {$15000.00} in my account, and the fact that I am being withheld access to my own money is unacceptable and highly concerning. This situation not only disrupts my financial planning but also erodes my trust in XXXX as a reliable financial institution. 

I demand immediate action to resolve this issue. Please expedite the process of sending the affidavit of identity and unlocking my account. Failure to do so will force me to consider alternative actions, including filing a formal complaint with regulatory bodies and seeking legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I redeemed an Amex Giftcard with a value of {$500.00}. I made a purchase on XXXX, XXXX, XXXX, and XXXX and all were declined even though i have {$500.00} to use. I called the number on the back of the card and was not able to speak to a customer representative. All they had was automatic response that did not help resolve my issues.

Company response to consumer: Closed with monetary relief