BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicing bank ( BB & T ) was purchased by TRUIST bank and since that time I have received no correspondence. TRUIST has failed to deliver my 1098-B for the XXXX tax year, they've failed to deliver any documentation to my address. When I call their customer service ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX x2 ) to verify my address and correct it on file, I'm told documentation will be sent but it never does.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, INC.
State: FL
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 requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: GA
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ; XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Kriya Capital, LLC
State: FL
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:
TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX, IM HAVING A PROBLEM WITH XXXX XXXX XXXX, BACK IN XXXX THE LOAN I HAD WITH THEM WAS PAYED OFF WITH XXXX XXXXXXXX XXXX XXXX, XXXX SAID I OWE THEM XXXX AND THEY PUT THAT ON MY CREDIT REPORTS, XXXX, XXXX, AND XXXX. I CALLED THE CREDIT UNION AND THEY SAID IT WAS PAYED OFF TOO THE COMPLETLY. IM VERY UPSET ABOUT THIS, THIS HAS REALLY MESSED UP MY CREDIT. I WOULD LIKE THE TO BE REMOVED FROM MY CREDIT FILES RIGHT AWAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: Chime Financial Inc
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 XXXX someone used my debit card in XXXX, VA and XXXX XXXX, CA at the exact same time for over XXXX dollars. I filed a dispute immediately and they said they would start it. They did not start it until XX/XX/XXXX and XX/XX/XXXX. They also keep changing my provisional Credit date and even denied one claiming that XXXX, who was the merchant this happened at provided evidence that it was me who did in fact do the transaction in two separate cities 3000 miles apart. I just got off the phone with XXXX and she said that no I didnt have any account or any sort of purchases on my account or anything like that and that I was cleared and thats what they informed chime of. so chime just flat out lied to me, saying XXXX was the one who said they had evidence. I have also asked four different times for documents, proving the evidence against me and they refused to send them out. The lady at XXXX said she is going to escalate this to her superiors and have them get in contact with Chime Who will explain that this was not anything to do with me because it happened at two separate XXXX  3000 miles apart. It sounds to me like Chime is purposefully lying to keep pushing off my temporary credit. I lost my job in XXXX and can barely make ends meet as it is. Having {$720.00} taken from me and not given temporary credit for it has made me late on bills and has honestly caused me a lot of anxiety and made me extremely upset. And I already suffered from panic disorder and XXXX. They also passed me around to every department over and over again so they could avoid answering my questions. It is now XX/XX/XXXX and I still have not received a temporary credit. I turned in a great deal of proof as well as documents, showing the identity theft that I have been dealing with for a year and a half. They have now also lied about the evidence from the merchant. I spoke with the merchant directly and they said I was clear because whoever used my card had a XXXX account and I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, 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, XXXXXXXX XXXX XXXX Account Number : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: SYNCHRONY FINANCIAL
State: KS
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
regarding CFPB Case # XXXX - There is still a discrepancy of owing me {$100.00} from a duplicate charge in error. I was charged {$120.00} 3 times, was credited back {$120.00} two times. I have a printout receipt from the store that I only received goods totaling {$28.00} which means I am still owed {$100.00}

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 monetary relief
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: AR
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 am filing a complaint with  XXXX ,  XXXX , and Experian. After multiple attempts through mail, online disputes, and telephone calls I am unable to get unauthorized inquiries off of my credit report. I am sending out a certified letter  XXXX  more time. If this does not work I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone 's credit is for his firm offering credit, insurance, employment, or court order. With the different glitches that has been happening with the credit companies I feel that my inquire should be removed from my entire credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
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:
My credit report is showing late payments to XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX  customer service representative.

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 2023-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Bank of America was compromised on XXXX XXXX with unemployment benefits from Washington State, and frozen and 2 deposits remain in the account, from the XXXX and confectionery union for my pension salary deposited on XX/XX/20 for XXXX and on XX/XX/20 another deposit for XXXX I received a letter from the attorney General of Washington on XXXX XXXX to file a claim to have my pension salary to be return, for the amount of XXXX I had file the claim and received a phone call from the assistant attorney General and explain that's pension money belonging to me not unemployment benefits money from the state of Washington which was already returned but remains my pension salary the assistant attorney General sent documents signed by the judge in this case my name was removed from the list and my pension should be returned back to me Bank of America refuses to refund my pension money and I have forwarded documents from the court saying I have the right to have my pension money returned back to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NV
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and/or unfair. The following accounts and inquiries are causing significant financial hardship and emotional distress : XXXX XXXXXXXX Late Payment Account XXXX  XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX Bankruptcy XXXX I understand that some of these accounts may have been delinquent or charged off, but I dispute the accuracy of the reporting and the collection methods used. I also believe that some of the inquiries were made without my knowledge or consent, and may be in violation of consumer protection laws. 

I am emotionally distressed by the impact these items are having on my credit score and my ability to secure loans or obtain housing. I believe that the practices of the companies reporting these items and making unauthorized inquiries are unethical and potentially illegal. 

I request that you investigate these items and take appropriate action to correct or remove any inaccurate information from my credit report. I also request that you take action to prevent these companies from engaging in unfair or illegal collection practices and unauthorized inquiries in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 've disputed multiple inquiries with Transunion regarding   XXXX   XXXX   from  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  as well as   XXXX   XXXX   XXXX  from  XXXX   XXXX ,  XXXX . Each time I 've disputed with Transunion, the response came back the same saying that they were in fact authorized inquiries. When I requested proof from the companies myself, I received letters verifying that the dates for the inquiries in question they have on file were from  XXXX  and  XXXX . When trying to reach out to  XXXX   XXXX  via letter, I received the letter back as undeliverable. How can one verify authentication by their only means of communication presented ( mail  )  to not be a valid address???     The system they are using is providing false information and they are not actually doing their due diligence and protecting consumers.

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 2023-08-26
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX denied - hard inquiry on credit report - no knowledge XX/XX/2023 XXXX XXXX - No knowledge XXXX XXXX managment - no knowledge Victim of identiy theft-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was charged arbitrarily and discriminatorily by XXXX starting from XX/XX/2023 all the way to the XXXX of XX/XX/2023 first to the tune of an incorrect amount on both me and the Capital One representatives part of about {$40.00} and then a charge on the XXXX of XXXX a charge of 3 large traveling bags from a store called XXXX XXXX XXXX XXXX  for {$52.00}. On XX/XX/2023 I called to rectify the situation after the initial amount of both transaction coming to {$93.00} was initial credited to my account then debited back into my account as a reversal. Upon going over the initial dispute amount the dispute charge amount was changed to {$77.00}. The main issue is the reversal caused my account that was a few cents in the green turned into - {$93.00} causing a deposit from XXXX  data breach of {$61.00} to get sucked up. At the reopening of the reversed XXXX $ case the adjusted amount was {$77.00} with them stating there will be no issuing of refunds of {$61.00} deposited into my account by XXXX and posted on XX/XX/2023. Please I would like a rectification of this situation with a positive outcome. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TD BANK US HOLDING COMPANY
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:
On XX/XX/2023 I received a purchase order from XXXX for delivery to California. 
I contacted XXXX because I didn't make the purchase. I found that my account was hacked and they placed several credit cards in American banks in my name. The banks are : TD Bank, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX. 

I don't know if more accounts have been opened in my name, I would like to alert all companies, as I have never used a credit or debit card with American banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Block, Inc.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Whoever it may concern, Since XXXX of XXXX, I have been a Cash App customer under the name XXXX XXXX. I am writing to dispute a transaction that occurred on XX/XX/XXXX that was not authorized. 
On the date indicated above, my employer XXXX XXXX XXXX XXXX XXXX XXXX deposited {$270.00} into my account. However, when I checked my account at XXXX XXXX, I discovered that the funds had been removed. At XXXX XXXX, I engaged in a communication with XXXX, Cash App Advocate, who informed me, " I see that we were notified of your {$270.00} direct deposit on XX/XX/XXXX at XXXX XXXX. XXXX. Typically, it takes one to five business days for the funds to be deposited into your account. Although we can not deposit these funds any faster, they will be available in your account as soon as the bank settles the deposit. It may take 1 to 5 business days for the funds to become accessible in your account, XXXX. 
However, I contacted Cash App on Monday, XX/XX/XXXX at XXXX XXXX and inquired about the status of my funds with XXXX XXXX ID XXXX. The representative informed me that between XX/XX/XXXX and XX/XX/XXXX, several technical issues increased my available balance, which paid for purchases at XXXX, and they deducted funds to cover those costs. 
Concerning this matter, no communication was ever sent informing me that there were technical issues that would have an impact on future finances. 
Second, their staff 's inconsistency regarding the status of my funds is perplexing, and I need to know the status of my funds. 
Third, the lack of these funds has contributed to financial hardships ; how will this issue be resolved? 
In addition, I would like to submit copies of the conversation in which XXXX confirmed that I would receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

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 2023-10-02
Company: EQUIFAX, INC.
State: NY
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:
Despite multiple written requests, the unverified account listed below continues to report on my file. The late payment is inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
You are a dishonest company that makes false statements to customers on XXXX. Refusing to reply to customer information, when the customer complained, he directly failed to collect the customer 's funds for XXXX based on the XXXX terms, ignored the customer 's request, maliciously used the payment terms, did not proactively contact the customer, and violated consumer rights. You are a XXXX XXXX XXXXXXXX!!! Your previous reply was perfunctory to the customer and there was no reply. You should pay back the money quickly!!!!

Company response to consumer: Closed with explanation