BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-12
Company: EVERBANK, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I received the following message from XXXX XXXX after applying to open another CD ( I currently have 4 open CD 's with this financial institution ) : " Thank you for your recent inquiry. Per your request, I'm able to provide you with the following information. 

We have made the decision to not open any additional accounts. Any pending applications will be closed, and if a funding check was sent in it will be returned to you. 

We look forward to serving all of your financial needs, so please get in touch if you have any additional questions or need further assistance. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: GA
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 this complaint to the bureau onXX/XX/2021 by certified mail. They have not addressed the issues and it still remains. The items do not belong to me and i am wanting it to be removed. Here are the items : 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 2023-09-25
Company: Experian Information Solutions 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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX 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 2023-10-05
Company: Credit Card Receivables Fund Incorporated
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX Unifund CCR , LLC, started adding two Collections accounts to all three credit bureaus in response to debts they must have bought from XXXX XXXX XXXX XXXX They backdated the opening of the accounts to XX/XX/XXXXXXXX  Unifund has never over the course of the last five years contacted me via phone, mail, or email, regarding their purchase of either of these debts prior to submitting this information to the credit bureaus. These two original debts have been in ongoing disputes over the validity and accuracy. Unifund has also not provided validation of the debts. XXXX has already deleted one Unifund collection account, and all others, to include the original XXXX XXXX debts, are currently in dispute and are being investigated. I believe that Unifund bought debt that was already expired because of the Statute of Limitations in Florida, but is attempting to re-age the debts in their favor. These debts can not be validated by Unifund, and should be removed from the credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: LEXISNEXIS
State: GA
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:
XXXX I received results from XXXX as accurate from my dispute filed on XX/XX/ requesting deletion of Bankruptcy on my XXXX credit report. XXXX stated that the furnisher verified the Bankrupcy, however Lexis Nexis has no record of a Bankruptcy on my consumer report. In addition, XXXX has listed on my credit report that the US Bankrupcy Court of XXXX Furnished the information. There is no such court with the name of " Bankrupcy Court of XXXX '' that exist with the address listed on my credit report and XXXX has lied and violated my consumer rights. The United States Bankrupcy court with the address listed on my XXXX credit repory was contacted by me and their response is in the attached letter. It is clear in the response attached that they do not report to XXXX or any other credit reporting agency, therefore XXXX 's response is a lie. These reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and the Bankrupcy must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Tuesday XX/XX/2023, in the afternoon before XXXX XXXX  I initiated a credit card payment online. Early the next morning I checked the credit card account website and there was no payment, pending or otherwise, shown. Frustrated that they did not have my payment information I initiated the SAME payment again. I just checked my credit card account and now it shows TWO of the same payment and now those payments will try to post and there is only enough for ONE!! Fees from both ends I will be fighting!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 ; 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 : 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 2018-05-22
Company: Lendmark Financial Services
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX XXXX XXXX XXXX directly as well as the 3 credit bureau 's. I have requested that this lending company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. My I have maintained copies of these notarized letters and dates. 

Your assistance and investigation of this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: AMERICAN EXPRESS COMPANY
State: AZ
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 have an AMEX prepaid gift card with {$500.00} on it, and have been unable to use it anywhere. AMEX is refusing transactions with so many vendors, both online and in person, the card is a ripoff and American Express is stealing the funds on it. This situation is unbelievable and irresponsible on the part of AMEX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
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: Information belongs to someone else

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX OF XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$7200.00}

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 2020-12-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi there, In mid XXXX my Citi bank card info was hacked and so far thousands of dollars in fraud was put onto my card. 

Whoever had my credit card info also changed my primary bank used to pay my balance, so I was locked out of my account for almost a month since Citi couldnt verify who I was. This let the fraudsters continue charging my card because Citis policy was to send me a letter that was going to an old address. 

I tried desperately to have them verify who I was, spent HOURS on the phone, even went into the branch. But since by early XXXX they were unable to verify who I was, I was forced by them to pay my entire statement balance ( {$2800.00} ) including the over {$1000.00} in fraud put on my card by that point, to avoid getting charged interest on the fraud charges and it affecting my credit score. Between now and when I paid my balance ( including fraud ) an additional {$1600.00} of fraud was charged to my card. 

I was finally able to get my identify verified with the bank end of XXXX and submitted all of the fraud claims, but Im seeing that the additional fraud ( XXXX ) is still on my statement balance and has not been deducted from my account. 

Citi has a policy that you dont have to pay the fraud they allow onto your card- but thats clearly not the case. 

Citi owes me over {$1000.00} in the fraud I was forced to cover for them so I didnt incur interest or it hurt my credit score and they have not paid me back. 

To make matters even worse theyre still expecting an addition {$1600.00} in payment for the fraud that happened since I paid {$2800.00} in early XXXX and I simply am refusing to do this again. I can not afford to do this again. 

I need help! 

Thank you, 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 monetary relief
Consumer complaint received 2020-05-14
Company: Collection Service Center, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection Service Center is reporting a debt that has been paid. I have attempted to remedy this with the Collection Service Center phone service but they have unprofessionally refuse to fix their mistake. I have attempted both of the phone numbers listed, XXXX and XXXX and XXXX has rudely hung up on me several times. 

Below I have provided evidence that this has been paid and that I have attempted to fix the issue with Collection Service Center.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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: 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 XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-19
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Roughly around the first of XXXX I had a payroll deposit of around {$5000.00} come to Frost bank and they instantly froze my account even after I informed them of the amounts that would be going to this account when I open it. Since then I have tried to deal with them 4 times and the account is still frozen and I cant even get my money out that I put in it. It had been more than 10 business days with no response or resolution. I was told I have to wait until they decide to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: AL
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:
transaction was reported on my credit report that violated my consumer rights. 

15 U.S.C 1681b ( 604 ) - ( A ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) .In accordance with the written consent of the consumer to whom it relates. 
I never gave experian written consent to furnish any inquries on my credit report they are in violation of the FCRA.Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-09-24
Company: Experian Information Solutions 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:
Experian will not investigate the XXXX XXXX acct XXXX XXXX despite multiple disputes filed. They must delete this account due to the following reasons : 1 ) violation of FCRA Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute 2 ) missing data after XX/XX/XXXX  to present indicates a reasonable investigation was not performed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX and XXXX, 2023 at the Chase bank located at XXXX XXXX XXXX in XXXX XXXX I attempted to access my father, safe deposit box after his death to perform a Will search. I presented XXXX XXXX my father 's death certificate, the safe deposit box lease agreement, my driver 's license and the box key. The lease agreement designates me as the designee to access the safe deposit box upon his death. I was told by XXXX XXXX and her manager, by phone, this document was not valid, even though they were in possession of the original form. XXXX XXXX gave me a small estate declaration form and stated that the only way to access the box was with the form completed and notarized. It's my belief that the bank has broken California law, Probate Code Section 331, not allowing me to perform a Will search or access the box in any way to make copies of my father wishes given reasonable proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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: Was not notified of investigation status or results

Complaint:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2022-04-07
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have been trying to contact Truist Bank to get a copy of a lien release for a SunTrust Bank car loan that ended 10 or so years ago. I have called the customer service line over twenty times and have been put on hold for over five hours total. 

1. I call Truist 's customer service line, XXXX. 

2. After waiting between 15 to 40 minutes, a representative answers. 

3. I explain the situation. Representative informs me they do not have access to loan records and transfers me to the " loan department. '' 4. Three scenarios : no one picks up despite waiting for 30 to 60 minutes at a time ; the call gets disconnected ; the representative connects me to another representative who says they can't help, and then connects me to another representative who also can not help, and then transfers me to the " loan department. '' The call either goes nowhere and I have to give up, or the call gets disconnected. 

I have called the supposed loan department 's direct number XXXX but the process is still the same as above. In fact, a representative that answered from this number tried to give me the same number when I asked for a direct number to the Truist loan department.

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 2021-02-10
Company: Commonwealth Financial Systems, Inc.
State: GA
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:
Common Wealth Financial Services has not provided legal validation of this debt and has not provided any signed contractual obligation which is binding on me to pay this debt. What constitutes legal debt validation is the following : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.

None of these items have been presented to me.

Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 

Since you have not supplied proof under the doctrine of 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 exists. 

This is inaccurate reporting. Please remove it from my credit report.

Company response to consumer: Closed with explanation