BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX US Bank forced deposited my sons auxiliary benefits into my frozen account going through closure 2 days after the settlement date. Then continued to withhold those funds for 29 days. Violating 31 cfr part 210 and nacha regulations. The funds were suppose to be returned under return code R16 Account frozen. I called on the settlement date of XX/XX/XXXX and was told they would be rejected and processed Friday morning ( XX/XX/XXXX ) but were force deposited into my account. 

US Bank continued to withhold the funds in my account which are entirely my sons auxiliary benefits in the amount of {$780.00}. I was not notified why my funds were being withheld other then my account is going through closure. Us bank would not allow me to withdraw the funds by any means or close the account myself over the phone or via branch. I was told I would receive a check in the mail with the funds when the account closed. 

XX/XX/XXXX I get a text message from US Bank stating there was a withdrawal in the amount of {$780.00} from my account. I contacted us bank to see if they had sent out the check and if I could get a tracking number. I was then informed they withdrew my sons auxiliary benefits and sent them to XXXX collection agency to offset on my closed account ending in XXXX that was closed, charged off and now with a collection agency in XX/XX/2023. US bank was well aware that these were my sons benefits. I do not understand how my son can be forced to pay a debt he doesnt owe or has anything to do with my son. I also do not understand how his benefits can be withdrawn from my account and then sent to a 3rd party? US bank refuses to refund my sons benefits to me or even to send them back to SSA. 

XX/XX/XXXX I received a letter from XXXX collection agency thanking me for my payment in the amount of {$780.00} and I still have a balance of {$62.00}. This money was forced into my account when I was told it would be sent back, then withheld from me for 29 days and now basically stolen right out from under me to pay a debt that isnt my sons debt. 

This whole situation has been extremely stressful and frustrating. I have a $ XXXX  monthly income to pay bills and provide for my children and US bank has held onto {$800.00} of that for over a month now causing my electric and water to be shut off and I wasnt able to get my son school supplies he needed or pay his XXXX XXXX insurance for his XXXX that now has lapsed. I need this money back ASAP either returned to me or to SSA.

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 2023-07-17
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 status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello On Monday XX/XX/2022 around XXXX I deposit {$1600.00} on ATM outside my Bank of America, the ATM was taking more than 5 min without depositing or closing my transaction, so I call the number on the ATM and told them what was happening the operator put me on hold and 2,3 minutes later ATM give me my debit card back but didn't deposit my money into the account, I called the fraud department right away and they didn't help, the follow day I go to the bank explain the situation and called again customer support to file a claim, they refuse to credit my money back to my account. I told them I deposit ( XXXX bills of {$100.00} ) ( XXXX {$20.00} ) ( XXXX bill {$10.00} ) Still My bank refuse to give me the credit till investigation finish and that's my moneys not fair.

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 2022-01-31
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am writing to contest the fees applied to the final payment on our XXXX XXXX unit purchased from XXXX XXXX. XXXX and XXXX on XX/XX/XXXX. XXXX for {$12000.00}. 
The Financing was provided by Wells Fargo. 
I final payment was due on XX/XX/XXXX. 
1. I wanted to submit the payment directly though their system but could get support.

2. I then called an agent who confirmed that I had plenty of time to get it through by the XXXX 
3. I submitted the final payment for {$7000.00} I received confirmation payment was received on XX/XX/XXXX. 
4. See attached email.

5. I had no other communication with Wells Fargo, nor did I expect any, until I received a letter postmarked letter With all of the new chargers. 
6. The first Customer Service representative who told me that my bank refused the payment. That was later confirmed to be a lie by another agent who said they had rejected it. 
7. When received the letter, I resent the payment the same day. 
8. I am enclosing a copy of the most recent statement and the confirmation of the payment. 
9. Demand a refund amount of {$3300.00} 10. I have enclosed the following documents : a. The Conformation email of the original payment on XXXX and the current account summary. 

I have details to prove that I paid on time.

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 2019-01-22
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:
I am writing concerning an issue with credit bureaus. As a survivor of XXXX  XXXX, I have experienced some hardships that no one should experience. In this matter, the credit bureaus have aided the illegal efforts of harassment and XXXX over several years, and still insist on pridefully carrying on and abusing their power. Over the last several years, my credit has been illegally monitored by someone in the bureaus. My score fluctuates in the same range based off of what's going in my life. For instance, several days ago a young man offered to help me with a loan from his company with my current credit score ( XXXX ). That evening my score went down to XXXX after refusing a XXXX XXXX. On several occasions, the student loan servicer would report to my credit anytime a situation of this nature would occur. On several occasions in XXXX and XXXX, the harassment and XXXX reached an all time high and I became XXXX XXXX unable to function as I needed to personally and for my children. It went on in my workplace, at home, and in other areas. I disputed several incorrect items on my report, and they refused to even contact me because of certain individuals connections on the inside. I haven't received an XXXX  report in three years, and I have attempted to obtain on four different occasions. I have tried to push forward in my life financially, physically, and emotionally with these hardships. I have tried to stay positive, but the truth is I need help from authorities because it has gone too far, and cause great detriment to me as a mother and to my children. I need help in this matter because I have truly done as much as I can possibly do to pull out of this.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I have demanded that these agencies remove these accounts from my credit profile. That I did not give permission to be there.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: MS
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 sent XXXX, Experian, and XXXX 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX. XXXX, XXXX XXXX This is my only name and my only address

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 2023-01-28
Company: Carvana Group, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
You have violated the XXXX by denying me credit for unknown reasons after already running my credit having access to my social security and personal information and notifying me that I was pre-approved. You then denied me credit by claiming that my information could not be verified, and possibly fraud. The below is your response : " XXXX XXXX, To protect the integrity of our Verification process I will not disclose any additional details regarding our decision. Rest assured, we did complete a secondary review to ensure that our internal process was followed properly and have confirmed that we will not be moving forward with any transactions in your name. 
We wish you the best of luck in your car buying journey outside of Carvana.

Best regards Carvana Dispute Team '' I have submitted the full conversation as long as other proof that I was approved for credit. 

You also have very misleading bait and switch marketing tactics by advertising lower downpayments only to click on the vehicle and the down payment is substantially higher. This is a clear violation of 15 usc 1662 ( 2 ), this is something that CFPB and FTC has constantly addressed in their many publications on their site, please give it a look for your own ediication. 

Thank you XXXX All rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date XXXX XXXX XX/XX/XXXX ; XXXX XXXX  Date Updated : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Company has failed to reply within a 30-day timeframe, and further failed to REMOVE all inaccurate negative reporting, as I have never opened this account, and I believe that my family member has been using my identity, which is why I have a security freeze on my accounts.

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 2019-01-22
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
HAD A MEDICAL BILL THAT WAS PUT TO COLLECTIONS AND WAS PAID SHORLY AFTER, ASKED COMPANY TO REMOVE DEBT FROM CREDIT REPORT, THEY TOLD ME THEY CANT DO THAT THEY JUST REPORT ON WHAT IS OWED, MORE THAN 4 MONTHS HAVE PASSED AND DEBT IS STILL SHOWING ON MY CREDIT REPORT AS OWED, COMPANY STILL FAILS TO REPORT THAT DEBT IS PAID. I CONTACTED MY REPORTING COMPANY AND THEY SAID I NEED TO GET THE COMPANY REPORTING THE DEBT TO REPORT THAT IT IS PAID

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 2023-08-30
Company: EQUIFAX, INC.
State: NJ
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: IN
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:
15USC 1681 section 602 ( a ) states that I have a right to privacy. 

As per 15USC 1681 section 604 ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Equifax, XXXX, and XXXX have all violated my rights with the reporting of a bankruptcy that was not the result of an order from the court nor at the request from the court. This claim against me is without my approval, written consent, nor agreeance. These companies have not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request that you remove the below mentioned information from my Consumer Report XXXX XXXX XXXX XXXX XXXX If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2019, I paid XXXX {$830.00} with my PayPal account : XXXX. 

I later cancelled the ticket within 1 minute, but XXXX charged me a cancellation fee. I started dispute case XXXX with PayPal. PayPal requested additional documents, and I've provided everything to them. 

PayPal 's reason was : " This decision was made because we never received documentation that proves you are due a credit. '' However, I did provide the refund details sent by XXXX. 

On XX/XX/2019, XXXX finally agreed to refund my ticket in full, and I received an email from them saying " We are writing to inform you that the full refund for the flight reservation was processed on XXXX XXXX. The refund should appear in the bank card account in the next 14 days. '' However, on XX/XX/2019 I received a " notice of debit '' from PayPal asking me to pay them back {$830.00} USD. This does not make sense, as the merchant has issued a refund to my original payment method ( which is PayPal ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-28
Company: TRUIST FINANCIAL CORPORATION
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 am a human being a natural person and I have rights under the Fair Debt Collection Practices Act. XXXX and SunTrust XXXX XXXX are governed by this act. I am disputing the below referenced inquiry because I do not recognize nor recall this debt. Please verify this debt, specifically the contract, note or other instrument bearing my signature. 

SUNTRUST XXXX XXXX- Inquiriy because I am disputing this debt, it should not be reported to or by the credit reporting agencies. It has already been reported, so please contact XXXX and inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctl violates the Fair Credit Reporting Act. 

Aside from the verification of this debt, the creditor MUST NOT CONTACT ME ABOUT THIS DEBT. The Fair Debt Collection Practices act, 15 USC Section 1692c requires that they honor this request. Their cooperation is appreciated.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Consider this complaint as my follow-up prior to my previous complaint to ensure that the fraudulent items in my file are ultimately removed. 

Please Remove these items : XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$1100.00}

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 2022-12-29
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:
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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-28
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This company does not allow grace period to make payments. If you do not pay on due date or pay less then amount owed they make your account 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 explanation