BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I actually did open an account online at Truist Bank. I used their promotion for the XXXX dollar welcome bonus with the intention to switch over from XXXX XXXX after I received the bank card. I put in the minimum amount because I still needed to be able to access my money while I waited. While I was waiting the account was closed for fraud. I called and went to the bank and they both said that it was closed for fraud and would not tell me why. On all my credit reports and identity monitoring, I have no red flags. This is technically the first bank account I've ever opened as my original was opened for me by my parents when I was younger. I am XXXX and I really need to know why it was closed.

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 2023-07-14
Company: ALLY FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
I had a XXXX XXXX on XX/XX/XXXX. I purchased my XXXX XXXX XXXX XXXX on credit through Ally Finance and made my payments on a regular basis. After the XXXX, Ally Bank suspended my car loan payments. A total of {$16000.00}. Despite repeated calls, none of my calls were answered. At the end of the 4th month, Ally Bank requested a refund of {$35000.00}, a figure above the current total repayment amount of {$16000.00}, from my insurance company. As a result of our objections, my insurance company finally collected the parking fee and other transportation fees in XX/XX/XXXX, as well as the sum of the installments that I did not pay, with interest. He paid back {$19000.00} and the debt was settled. Ally Bank held me responsible for a payment dispute with the insurance company Progressive after I charged a higher fee than the payment amount, even though I had no obligations. He sent me a letter to Ally Bank about my late payment. Because of this, my credit rating was unfairly lowered. As a result of the dispute between Ally Bank and XXXX XXXX XXXX regarding the repayment amount of the vehicle, my credit rating was unfairly lowered. I demand and demand that this injustice be corrected as soon as possible and that my credit rating be corrected. 
Thanks 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 explanation
Consumer complaint received 2023-07-14
Company: ROBINHOOD MARKETS INC.
State: ID
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX XXXX, I have a Robinhood investment account which also has a cash management bank account linked to it. A week ago the system froze the account because of a system alert when I tried getting gas with it. I submitted all the documents and they keep saying they are reviewing my ID and cant give me anymore information. I cant withdraw or transfer any funds because my account is restricted until a review is finished. There was no need to lock my account and they are dragging this along after I submitted the same documents multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Saturday XX/XX/XXXX, around XXXX XXXX, I received several emails from Wells Fargo saying that my " application had been received '' to " open my account '' - I did not apply for an account. I looked up to see if this was a scam, and saw that Wells Fargo had gotten in trouble in XXXX with regards to this behavior, for opening accounts for people without their knowledge or consent.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: PA
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. 

The letters are stated with items and issues. 

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 explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: CT
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid off my American Express XXXX XXXX  card full balance of {$110000.00} on XX/XX/2021. On XX/XX/2021 I confirmed with an account representative assigned to me that payment was received in full and that there were no issues with my account. Since that time my card has been rejected several times. 

On XX/XX/2021 a representative said they would contact my bank to confirm payment went through, even though the funds were removed from my account on XX/XX/2021. They were unable to confirm and my card was still not usable. 

On XX/XX/2021 a representative said they would look into it but never got back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-22
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: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXXXXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2023-07-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Fraudulent check for {$8400.00} was processed against our checking account at Chase bank. We reported it immediately upon discovering it on XX/XX/XXXX and submitted required written form on XX/XX/XXXX after getting misleading instructions from a bank employee. Upon following up on XX/XX/XXXX were told the claim was still awaiting documentation. We went into bank branch and worked with manager to resend the form from XX/XX/XXXX and verified it was received by the fraud department. We are now being told we will get a credit in 3-5 business day, which exceeds their requirement to give us a temporary credit within 10 business days from the date of the claim. This has had a very negative affect on us financially and we want to be sure they follow through and that their failure to follow the regulations are noted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I sent a notice of rescission to Synchrony Bank and to date synchrony bank have not responded lawfully with any response to take action to terminate the security and interest on the account. Per TILA and REGULATION Z I have the right to rescind on any consumer credit transaction, 12 CFR 226.15,226.17, and 226.13. Notice was given to and received by Synchrony Bank in an acknowledged email attached.

More than twenty days have lapsed, and Synchrony Bank have not taken any steps to properly reflect the termination of the securities and interest and return all monies paid on the account. According to 15 usc 1611 and 1640 willful and knowing violation are subjected to criminal and civil liabilities of which I intend to enforce and recover if the matter is not settled in good faith.

Synchrony Bank has been harassing me and making threats of reporting to the consumer reporting agency derogatory information even after my revocation of power of attorney and my rescission. Pursuant 18 usc 894 anyone who attempts to collect any extension of credit by extortionate means shall be fined or imprisoned.

18 U.S. Code 894- Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both email from synchrony bank below. 

XXXX ( Synchrony Financial ) XXXX To : XXXX Tue, XXXX XXXX at XXXX PM Dear XXXX XXXX XXXX XXXX you for your recent inquiry directed to XXXX XXXX XXXX XXXX XXXX XXXX Bank account XXXX XXXX XXXX has referred your inquiry to me for handling. I am reviewing your concern and will respond in writing within seven to ten business days. If you would like to speak with us regarding this complaint, you may contact me directly at ( XXXX ) XXXX extension XXXX or email me at XXXX. 

Sincerely, XXXX XXXX XXXX of the XXXX Synchrony XXXX : XXXX ext. 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 2023-07-30
Company: Experian Information Solutions Inc.
State: MD
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 sent the letter off on XXXX XXXX. Here is my tracking # 's ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act ( 15 USC 1681 ). 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also according to ( 15 USC 6802. ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: WI
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 tried to dispute the following Inquires on my equifax report soon as noticed them being there. 
XXXXXXXX XXXX XX/XX/2023 and XXXX XXXX XXXX XXXX I sent out an dispute for these inquires because they are fraudulent and Equifax has an issue of giving out people personal information, leading to tons of Lawsuit Settlements and I hate to have to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
This is regarding an existing issue with transunion and XXXX XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and different dates last reported that are not in proper XXXX XXXX format and the account do not reach FCRA requirements.. 
I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. 

15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-07-30
Company: Experian Information Solutions Inc.
State: TX
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 disputed with experian and XXXX to remove a account that is falsely being reported on my credit file, the account has wrong inaccurate information reporting and they refuse to remove it. It has been over 30 days and i have yet to hear back from these companies

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 2022-04-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporter Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions 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:
Upon reviewing my credit report, I noticed several fraudulent accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to all of these collectors asking for anything thing with my wet signature and none of them were able to furnish anything I signed. I have reached out to them THREE times in writing asking them to remove these fraudulent accounts from my report and haven't gotten a response. It have been over 90 days. The fraudulent accounts that I noticed on my report are listed with the amounts, account numbers and name of collector below : XXXX ) XXXX XXXX account XXXX Date Opened : XX/XX/XXXX amount : {$410.00} XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account number : XXXX Date opened : XX/XX/XXXX amount : {$1500.00} XXXX ) XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX ) account XXXX XXXX XXXX Date Opened : XX/XX/XXXX amount : {$8200.00} XXXX ) XXXX XXXX account number : XXXX Date Opened : XX/XX/XXXX amount : {$600.00} XXXX ) XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$600.00} There were also a stream of inquires that I didn't notice from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was going over my credit report when i noticed a Item that was not authorized and i would like it to be removed. 

Experian XXXX XXXX XXXX, XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-03-22
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a leased vehicle that I invoked my SCRA rights on on XXXX XX/XX/2023 to break the lease since I was leaving for military service. I returned the vehicle at that time to a Toyota dealership. I received paperwork back on XXXX XXXX while I was at training showing the Early Termination Lease Liability amount I still owed. I called at XXXX on XXXX XXXX, spent over an hour, and was transferred to six different representatives including a supervisor ( XXXX ). I called back again in the afternoon at XXXX and spent another hour on the phone speaking with multiple representatives and a supervisor, XXXX XXXX again. The results are below. 
After clarifying the fees, I agreed that I owed the full bill of {$7200.00} and asked to enter payment arrangements for {$100.00} each month. I was told the amount was too low for them to accept, and so I would have to call in to the automated payment system each month to make that payment. When I was transferred to the XXXX XXXX, they said that I could not make a payment using my debit card, but would have to send in a check instead. The reason being that I had made payments in the past through that checking account that had been declined, so they would not accept any ACH or debit for that account. When I questioned how a check from that same account would be accepted, the representative said she did not know and they would just have to figure it out when the check arrived. I was told even if I made a new checking account that they would not accept payment from me for 18 months. I was told the only way I could pay a bill was to use XXXX XXXX and was given a code to use. When I went to XXXX XXXX and input the code, it directed to a different company called XXXX, NOT to SE Toyota. I did not proceed with a payment since I could not verify it would reach the correct company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
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: Credit inquiries on your report that you don't recognize

Complaint:
Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!

Company response to consumer: Closed with explanation