BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: TRUIST FINANCIAL CORPORATION
State: NC
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 have a Corporate Bank Account with BB & T. While doing a wire transfer on XX/XX/21 with the Business Bank Manager XXXX XXXX in XXXX NC, she implored me to setup a business credit card under the corporation. As a company we wanted to have credit card references reporting to XXXX XXXX XXXX. I clearly stated that weve been in business 2 years and wanted more business credit not personal ( as my personal is XXXX score ) and I wouldnt even consider it if a hard credit pull would be performed to decision/issue the card. She assured me it would not pull my personal credit and never asked me any questions about the business or personally. She only stated that I would be notified by mail in a few days and that was it. When I left the bank, by the time I had gotten to the office 5 minutes away I had received an automated email message saying the application was denied. No reason was stated and said I would receive a letter in the mail with 7 days explaining. Within the same moment I got an XXXX alert stating a hard pull had been done on my personal credit. Ive called the local branch many times and left voicemails and XXXX NEVER calls me back. I called the main corporate number and they said that they couldnt tell me anything and said for me to wait until I received the letter by mail. I HAVE NOT RECEIVED ANYTHING! My credit report was accessed without my consent and never received anything by mail or any communication after. This is a complete fraud and Ive been victimized as a result of the shady dealings of BB & T ( now Truist Bank ).

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 2023-10-12
Company: EQUIFAX, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Nelnet, 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: Credit inquiries on your report that you don't recognize

Complaint:
Many student loans amount on my credit that I am not aware of. I called to try to clear it off. And did a dispute. The account numbers are not the same. And by law if it don't match it have to be removed. Not to mention the ssn it's wrong also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT CONTROL CORP has violated my rights under 42 U.S. Code 1320d6- Wrongful disclosure of individually identifiable health information. I am requesting proof of original contract because my Health Information was sold to this Collection Company for profit. Clearly understand that I am not requesting a verification that you have my mailing address, I am requesting a validation ; Or in other terms, competent and complete evidence that I have some contractual obligation to pay you that not verification of debt.

I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  Date of inquiry 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 non-monetary relief
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: IL
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 Account # 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 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: TX
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 below 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$21000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$21000.00} -This is not my account.

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 2023-07-15
Company: U.S. BANCORP
State: IL
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:
On XX/XX/2023 I XXXX  XXXX website looking for XXXX hotel rooms in XXXX XXXX South Dakota. A deal popped up which advertises XXXX rooms for {$300.00}. I proceeded to put my information in including my debit card number, name, email address etc. After that, at the bottom of the page there was the breakdown of cost including over {$600.00} dollars in fees. So I went to exit the website and the reservation submitted on its own. I never entered submit, and I never entered an otp code or anything. 
I logged into my bank account and saw the total of XXXX pending. I also Received reservation confirmation email and chose the cancel option, page indicated that it was canceled but non refundable. I then Called the companies customer service number to tell them what happened, and they told me they have my information and its non refundable and theres nothing I can do. Then I called my banks fraud department and spoke to customer service and they told me that they cant stop the transaction and its pending and can file a fraud claim after it posts. After this all happened we went to the website for the reservation and the website doesnt exist. I submitted my fraud claim on XX/XX/2023. I was told that I would get paperwork in the mail to follow up. They didnt send the paperwork until the XXXX and I submitted the paperwork both by fax and mail on the XXXX. I received provisional credit from USBank and then XXXX weeks later they took it back. They claimed that I had submitted a dispute not a fraud claim and that the merchant stated that I knew that their cancellations were non refundable at the time that I submitted it. The problem is that I never submitted it. The website is designed to force your transaction to go through. I x-ed out of the website and never entered any submit button or XXXX  code and the transaction still went through. When I called the bank I intended to file a fraud claim, and mentioned such multiple times on the phone, and the bank did a dispute instead, regardless of the fact that I stated multiple times that I wanted to file a fraud claim. I am now our {$910.00} for a transaction that I did not authorize. Furthermore upon deeper investigation, I called the XXXX location that they claimed to make a reservation with, and there was never a reservation or cancellation on their system for me, which I believe is further indication that this company is fraudulent and fake. My reservation confirmation email came from XXXX which isnt even an existing website.

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 2023-07-20
Company: Navient Solutions, LLC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient reported to XXXX Credit Report that my balance increased by {$100.00}, this caused my credit score to decrease. I have been paying on this account for many many months over 2 years without covid19 suspension of payments and this company reports negative information to my credit report. 
The balance of student loan is fraudulent as I never got a payment of the monies that were not used at XXXX XXXX and I never got any payments of monies that was not used from U of AR XXXX. When I disputed this, there was not an investigation. They bill me extreme added fees of interest and they never showed payments that were paid for 10 years after I graduated in 2002. 
The student loan has been a rope around my neck to freeze my credit score from improvement. This has took away from my education for years of rebutting navient bad unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: NV
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 if 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
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act there are several accounts attached that have 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 an account without my written consent.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I havent given anyone written permission to furnish these accounts 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 2021-04-19
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to Dispute on my credit and the investigation has taken well over 30 days to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was selling items online and ended up getting scammed out of {$850.00} The scammer sent me 2 fake certified checks and I sent a transfer through Bank of America 's XXXX service. 
I called BofA and was told that there was nothing they could do and gave no advice. 
When calling XXXX, they told me to contact the bank. 

I have the information for whom I sent the money to, along with some additional information, I would like to get this person reported in hopes they do not do this to someone else.

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 2022-06-17
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX  Date of request XX/XX/2021 XXXX XXXX Date of request XX/XX/2021 XXXX XXXX XXXX XXXX  Date of request XX/XX/2021 XXXX XXXX XXXX XXXX Date of request XX/XX/2021 XXXX XXXX XXXX Date of request XX/XX/2021 XXXX Date of request XX/XX/2021 XXXX XXXX XXXX Date of request XX/XX/2021 I applied fort one auto loan and the dealer sent my info to multiple lenders without my knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I went to Bank of The West to deposit my {$500.00} 2021 NM rebate check into the ATM. I put my debit card in and started the deposit, after choosing my savings account to deposit the funds in, the ATM said the account was not linked to make deposits. The ATM then spit the check back out and gave me my debit card back. I then started the process over, this time choosing my checking account to deposit the funds in. At this point, the ATM tried reading the check and after about 5 minutes of processing, the machine shut down. I watched as it loaded back up slowly. Since it was a few minutes until closing time, I then went into the bank to ask for help since both my debit card and check were in the ATM. I went in and the first teller said theres nothing that can be done and my debit card and check would be shredded. The Senior Relationship Banker then went out to the ATM with me to see what was going on. He went back into the bank to call the ATM third party to see what to do. They said they could remotely reset the ATM and my check and debit card should come back out. After loading back up, the ATM did not return my card or the check. The Senior Relationship Banker, then gave me a buisness card with his number, since he was leaving for the day, and told me I should see the {$500.00} credit in my account the next day ( XX/XX/XXXX ), but if I didn't see the credit to give him a call. He said if it was an ATM error or any error on the banks part, I would be compensated right away. The next day, after not seeing the credit, I called him. He said the ATM technician should be out there that day and they could open the ATM and get the check. When the tech got there, they opened the machine but were not able to find my check. I was then instructed to go into the branch location to order a new card and see what they could do about the check. I went in, got a new card ordered and was told they would open an investigation about what happened with the check. Since that day, I have called multiple times, gone into the branch multiple times and called the XXXX  customer service multiple times. I have recieved 1 call back, after being promised I'd recieve calls back, and have been given no time length or information on the investigation, what the investigation entails or what will be done in the event that the check is not found.

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 2019-10-09
Company: EQUIFAX, INC.
State: CA
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 to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$21000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This nightmare began with with my trying to dispute simple information and ended up in them deleting the positive accounts like my XXXX XXXX to completely freezing my whole account. This caused me to lose a home i was try ing to purchase im at wits end and prepared to get an attorney to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
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 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