BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XXXX XXXX, a counterfeit check with a forged signature cleared our account at BB & T Due to transition in management, we were a bit behind and did not notice the fraudulent item listed on our Bank statement until XX/XX/2021, at which time we immediately notified the Bank XXXX 
Upon research, it was clear that the individual check was not one of our check stock and out of our number sequence, nor was the signature authorized when compared to the RESOLUTION on file with the Bank. However, the Bank has refused to own their mistake of paying an unauthorized item, which now presents harm to us in the amount of {$80000.00}. 
We feel the Bank has subjected us to Unfair Deceptive Act and Practices ( UDAAP ). We believe this practice to be UNFAIR in that the bank provided access to our funds in a significant amount to an unauthorized party. We believe that the Bank had a stronger transaction monitoring system, they would have been alerted to this unusual transaction. Since we normally transact by wire transfer, a large dollar item presented as a check should have alerted as an uncommon transaction for us requiring manual review. A manual review of previous checks would have alerted to a different check stock as well as a forged signature. 
The Bank also is DECEPTIVE in the protection they provide on negotiable items. Our RESOLUTION AND AGREEMENT FOR DEPOSIT ACCOUNT requires the company to provide the authorized names and SIGNATURES on the account, giving the impression that one is necessary ( which neither were in this instance ) to access our funds. 
The RESOLUTION further states that the Bank will only honor items " when signed or endorsed by an original or facsimile signature of any ONE authorized signor ''. In this instance, neither authorized signor signed the check that was honored by the Bank. 
We additionally believed that the Bank has likely covered fraud items before, even if notified beyond the time frame they are now saying we had to notice and report our fraudulent items. However, the Bank will not disclose any instances of past decisions that support or negate their decision in this matter. We find this to be not only deceptive, but certainly unfair to treat one account holder in a situation differently than another account holder. 
We would like an analysis of how the Bank has handled their negligence in paying counterfeit and forged items previously, and would like to see in the analysis if minority account holders are less likely to be favored by the Bank 's decision on accepting responsibility.

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 2023-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 non-monetary relief
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Accounts were supposed to be in differed status, somehow there was a laps in deferral causing there to be a late payment on my accounts. I have tried reaching out to work on getting the late payments removed as my account has been in good standing for a long time but unable to get help, my student loans have changed providers multiple times it can be hard to keep track of the provider.

Company response to consumer: In progress
Consumer complaint received 2021-03-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX I received an email from Paypal out of nowhere stating that they have decided to permanently limit my account. I use Paypal to make purchases with my credit card from many online retailers, but the only selling I do on Paypal is for clothing and nothing else and I have been selling clothing for the last 4 years with no problems. I called them 3 times, the first two times the agents told me they were not allowed to tell me why my account was deemed as a risk but after reviewing my transactions they told me it must be a mistake and should be resolved within 24 hours. Nothing happened in a week so I called again where a Paypal agent by the name of XXXX was extremely rude and told me there was nothing I could do. I requested to speak with a supervisor and she told me one would call me within the day. It has been nearly a week and no supervisor has contacted me. 
I currently have {$1000.00} in my account which I was planning to use for rent that they are not letting me access. 
My email for the Paypal account is : XXXX This has brought me a ton of stress and has effected my wellbeing. 

I have attached a restriction notice that is available for me to view on my Paypal account 's notification center, a screenshot of my Paypal account main page, and a piece of photo identification for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I previously disputed information on my credit report that don't belong to me I asked for a investigation and I was not given and I information about my investigation beginning or ending. I contacted this company to see if my investigation was processed this company denied ever receiving my disputed so I contacted a attorney I ask for legal advise I was advised to file a police report and a report with FTC and we came up with a plan of things to do before I file a lawsuit so I'm making a complaint because I don't want this to happen to someone else that is seeking justice for a crime that was committed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: BSI Financial Holdings, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have requested since XX/XX/2020, approximately when BSI Financial Services took over the servicing of our mortgage, that our loan be a non-escrow loan. We have paid our homeowners insurance and property taxes for the year. They requested a written letter signed by me which has been provided many months ago. They are still escrowing money instead of applying overage to principal balance as requested. I have left messages, emailed, hand written letter scanned signed and faxed & emailed back. Each time I call they put me to some ones voicemail. Their phone is XXXX XXXX XXXX XXXX Loan # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Chime Financial Inc
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received an email message that too many log in attempts locked account access. I do NOT have an account at Chime. I have NEVER had or applied for an account at CHIME. When I sent a message to Chime, they could only talk to me if I emailed a copy of my ID and my Social Security number. I told them NO WAY would I provide that information and told them one more time to purge any account information attached to my name and email. The request for more detailed personal information to resolve the problem is the issue. Why would I provide that information to a company where my identity has already been compromised?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX XXXX Consumer Financial Protection Bureau Subject : Formal Complaint Against Navient for Non-Compliance with Opt-Out Disclosures Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint against Navient regarding their failure to provide me with the opt-out disclosures for my student loans. I previously submitted a dispute to Navient and the Department of Education concerning the absence of opt-out notices for all my student loans. Regrettably, I have not received a response from either entity in accordance with my request.

As per the Fair Credit Reporting Act ( FCRA ), consumers are entitled to receive opt-out disclosures when disputing information related to their credit report. Despite my efforts in reaching out to both Navient and the Department of Education, I have not been provided with the necessary information that would allow me to make an informed decision regarding the management of my student loans.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure Navient 's compliance with the FCRA. I believe that the lack of response from Navient and the Department of Education is a violation of my consumer rights, and I am seeking your assistance in rectifying this situation.

Enclosed with this letter, please find copies of my previous dispute submissions and any relevant correspondence with Navient and the Department of Education. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
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:
On XX/XX/2020, through XXXXXXXX XXXX  XXXX I applied to XXXX XXXX XXXX for an automobile lease. I completed an application for the lease and authorized ONE credit report to be obtained. On XX/XX/2020, XXXX XXXX XXXX obtained a credit report and on XX/XX/2020, XXXX XXXX XXXX obtained a separate credit report on me. This resulted in two hard credit reports for a single transaction. Again, I authorized only ONE credit report. This abuse resulted in a significant reduction in my credit score. 

I reported my dispute to the credit reporting company ( TransUnion ) on two separate occasions but they simply ignored my two items of correspondence.

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 2022-02-28
Company: EQUIFAX, INC.
State: AZ
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:
Please carefully read the following. 
Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, l
abor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft.

I demand you remove the following address and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX The following accounts I demand to have removed U.S. Bankruptcy Court XXXX XXXX XXXX. / XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I made a purchase from XXXX XXXX XXXX late 2020. I paid {$4500.00} for 3 pieces of equipment, that were never delivered or offered a reason as to why they weren't delivered. 

I purchased this equipment via using Navy Federal Credit Card to purchase cryptocurrency to send to this vendor. 

I filed fraudulent charges with Navy Federal Credit Union explaining what happened. 
I have already filed multiple police reports and a report with CFPB ( Complaint # XXXX ) in regards to XXXX XXXX XXXX XXXX. 

Navy Federal Credit Union determined that I am at fault since the exchange completed the transaction but the vendor did not fulfill his/her order. The vendor will not honor the purchase, return emails or anything. Yet Navy Federal REFUSES to acknowledge that this vendor is a scammer and continues to say that I now need to pay for it, even if this vendor committed vendor fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I recently received a 1099 K form in the mail from PayPal for money that was sent to me by a family member, refunded, for the amounts of XXXX, XXXX as a gift from XXXX XXXX. I only received a total of XXXX as a gift from a family member, XXXX sent me a 1099 K for the amount of XXXX which is not the amount I received. 

I received a 1099-K ( 2021 ) form in the mail from PayPal on XX/XX/XXXX. The form states that I received funds in exchange for a good or service amounting to {$910.00}, but I ONLY received {$600.00} as a gift from family members. These transactions occurred between XXXX. 

Scenario : the initial payment sent was {$610.00} ( attempting to send {$600.00} ) because it was submitted accidentally as a good or service payment vice a gift ( XX/XX/XXXX ). Since the payment was put on hold ( due to it being categorized as a good or service ) my family and I called PayPal for an explanation. In the meantime, another family member attempted to send split payments of {$300.00} ea. ( one payment was accidentally submitted as good or service ) and thought that this was the reason for the hold. Once we found out that the payment was submitted in error ( good or service selected vice gift ), I refunded the amounts sent as good or service ( {$910.00} ) and received a payment of ONLY {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: In progress
Consumer complaint received 2023-07-27
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:
For the company to do what is fair and equitable to me as a consumer by deleting the items Identify as Identity theft from the consumer 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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My Affidavit of Truth is not a dispute. I am an agent, consumer and natural person enforcing the Fair Credit Reporting Act pursuant to 15 USC 1681 that protect consumers. TRANSUNION has failed to rebut my Affidavit of Truth. TRANSUNION has sent me a letter stating that they need until the XXXX day of XX/XX/2021 to give me results and as of XXXX of XX/XX/2021 Transunion has failed to do their obligation as a corporation and credit reporting agency. I demand remedy for having to wait and no results were provided for me the consumer which violates my federal rights and the Fair Credit Reporting Act. I sent Affidavit of Truth with Exhibits on XX/XX/2021. On XX/XX/2021 a letter was written stating they needed more time. Transunion has failed to do their duty as a credit reporting agencies after maximizing their rights under the Fair Credit Reporting Act with 15 day extension on top of the 30 days. There is no excuse and I demand tracking number directed to me to make sure they won't use a deceptive way of saying they sent this information already by back dating letter. Transunion lie and say they verify information when verify is sworn under oath and under the penalty of perjury and the corporations the serve can not do so.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: SC
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: In progress