BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Synovus Bank
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:
I am writing to dispute this account and to request its removal from my credit report. Account listed is not { incorrect/ inaccurate } being reported to all three credit bureaus. I believe that this is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This account is reporting to only 2 credit bureaus instead of all 3. Also this account incorrect account status is reporting and amount. these account says closed open. 

Under the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am requesting that you investigate this matter and remove the repossession from my credit report. Additionally, I request that you ensure that the balance on the account is reported to all three credit bureaus. 
Under the FDCPA, I have the right to request that you stop all attempts to collect on this debt until this matter has been resolved. I am requesting that you cease all collection activities until this matter has been investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received a notification to my email that an account had been opened with Chime ( without my consent ). I thought maybe someone did this by accident, so I contacted them. However somehow someone used my maiden name, social security number & email address to open an account with chime. They were able to request a credit card to be sent to an address in XXXX which has never been associated with me. I tried to change the phone number ( which was also never historically associated with me ) on the account to recover it & shut it down myself, but was unable to do so despite providing a copy of my drivers license and taking a selfie to confirm my ID matched. Additionally they issued a bank account/routing number to my email as well. Luckily because my email was used I was able to catch this pretty quickly. 

Having worked in banking & XXXX auditing specifically, this was INSANE to me. Their CIP procedures definitely need to be scrutinized as this all occurred within less than 24 hours ( XX/XX/23 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: TRUIST FINANCIAL CORPORATION
State: SC
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, I phoned Truist Fraud Protection regarding several charges I did not recognize. The CS rep told me that the charges were " pending, '' and therefore Truist could not do anything until they posted to my account. At this time, around {$110.00} in charges had accrued. The CS agent also said if it were fradulent charges, they would likely drop off my account as the " system '' would flag them as fraudulent. He said to call back several days after they had posted, and they would address it if needed. I called back later in the week and, at this point, now had {$600.00} in charges that had been posted to my account. I filed a dispute of the charges and was subsequently denied as these charges originated from a mobile device using a token. I can assure you we didn't make these charges and am unaware how the XXXX XXXX was hacked. I feel Truist is at fault for not shutting my card down immediately and failing to notify me that these were XXXX XXXX transactions if they had this information. I knew we had the debit card in our possession and it wasn't stolen. I just would like my {$600.00} back in my account but at this point Truist has been unable to help me and although a loyal customer I am not feeling very valued as a customer.

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 2024-01-19
Company: Southwest Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Specialized property management have unlawfully taken action against my credit for a claim that was approved and already paid to them from XXXX XXXX. I have agreed with XXXX XXXX  to pay cleaning claim of a property rented. XXXX approved the claim for cleaning to XXXX of {$400.00}. Based off my documentation, pictures and videos.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: BROKER SOLUTIONS, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
I wrote a letter to my mortgage company in regards to my Home needing updates and replacements. I found paperwork in our contract where it states that under the contract that the updates and replacement are covered under the contract and that them as the lender are responsible. They say that they are not responsible for those updates and replacements and that the contract is referring to the deed but it clearly states ( property ). As I was looking over my paper work I found out that the mortgage company I have been paying never funded the loan and that the money was my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX  has been reporting an inaccurate balance. I contacted the company to correct this issue but nothing was fixed. The account status is also reporting inaccurate, as the account is closed. Also, the company is charging me a late fee and the account is closed. That must be violation of the law and illegal.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Until XX/XX/2021 I was not provided with promised services i.e. I did not receive data correctly at my home per my XXXX, wireless contract and agreement. Therefore, services I was paying were not being rendered and breach of contract occurred. I tried repeatedly to correct the service with XXXX through various departments including tech, to no avail. I left them in frustration finally. I tried to negotiate the amount due because these services were not delivered. They were nasty and mean and preyed upon my hardship during the pandemic. Ultimately they sold the debt to XXXX XXXX XXXX, and this is who I paid and now have a XXXX balance. In essence, experian, XXXX, and XXXX XXXX are report negatively for an exorbitantly punitive amount of time! When infact, the information on these reports is inaccurate -XXXX is not the collection -which is why it should be deleted from all XXXX agencies immediately. Someone help here. Seriously, how is this legal. I have right in the Fair credit reporting act and they are being violated. Innacurate information and phone calls at inappropriate times. XXXX and XXXX last night was the most recent from the XXXX level of XXXX XXXX I have made complaint with the FTC XXXX XXXX  XXXX State Attorney and the XXXX. I was definitely harassed last night because the situation and the effort this must be deleted! It definitely not fair and definitely not accurate!

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 2023-12-01
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$630.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/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 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: GA
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:
PLEASE SEE ATTACHED To Whom It May Concern, While checking my most recent credit report, I noticed 2 hard credit inquiries, 3 Accounts, and personal identification information that I did not authorize, I am unaware of, and believe to be fraudulently made by the following companies : Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account : XXXX Account Number : XXXX XXXX  XXXX Account XXXX XXXX  Account Number : XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report and believe these to be fraudulent. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I formally request that these fraudulent inquiries and Accounts be immediately deleted from the credit file that you maintain under my Social Security number. 

I called all companies involved, canceled or closed any products issued, and was instructed by these companies and XXXX to let you know formally with these instructions included. Ive attached an FTC Report # XXXX and FTC Report # XXXX, as well as my official License state ID, Social Security Card, and Proof of current Residency. If anything comes verified, show me both wet-seal signatures of XXXX, XXXX XXXX, XXXX, and myself and Original Security documents showing true accuracy. 

XXXX has deleted this information but Experian has not. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of the notice. 

Experian will be in violation of 15USC 1681n ; civil liability for willful noncompliance and 15USC 1681o ; civil liability for negligent noncompliance if chooses not to do so. 

The reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. 


My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2023-12-01
Company: Experian Information Solutions Inc.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: AL
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 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 wirtten instructions

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 2024-01-20
Company: SYNCHRONY FINANCIAL
State: AL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My name is XXXX XXXX, I am very old and I am a XXXX XXXX  us citizen. 
I have accounts with synchrony bank for many years. Being XXXX XXXX, synchrony bank, for years, does NOT compute interest correctly for my accounts. My account number : XXXX, the total amount in this account MUST be {$1100.00}, synchrony bank, intentionally and illegally, is showing only {$1100.00} ; synchrony bank is giving me {$1.00} less interest on this account. 
My account number : XXXX, the total amount in this account MUST be {$4600.00}, synchrony bank, intentionally and illegally, is showing only {$4600.00} ; synchrony bank is giving me {$0.00} less interest on this account. 
My account number : XXXX, the total amount in this account MUST be XXXX, synchrony bank, intentionally and illegally, is showing only {$2300.00}, synchrony bank is giving me {$0.00} less interest on this account. 
The time has come for this XXXX XXXX  US government agency to fine very heavily, the same way this agency heavily fined over XXXX dollars XXXX XXXX XXXX XXXX synchrony bank for giving less interest for every account, synchrony bank has millions of accounts. Do your job for XXXX US citizens also.

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 2023-12-02
Company: Comerica
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Yes, I GET XXXX BENEFITS EVERY MONTH, FOR 12 YEARS NOW! AND MY ACCOUNT IS NOT!! WHAT AMOUNT OF PAYMENT I RECIEVE!! WHERE? WHO? IS HACKING, OR FRAUDLENT MY BANK!!? I DONT EVER, EVER GIVE OR DO ON LINE SHOPPING, AND DO NOT EVER GIVE PERMISSION FOR IT TO BE DRAINED??!! DIRECT EXPRESS IS NOT A FAIR, HONEST BANK!! CAUSE THEY ARE TO PROTECT MY MONEY, TO STOP ANY TRANSACTIONS!!! SO ONE DAY?,!! TODAY IS THE XXXX OF XX/XX/2023 AND MY MONEY IS BEEN FRAUDLENT TAKEN!! I DONT HAVE FOOD, HOUSE HOLD STUFF THAT I SHOULD AND USELY HAVE EVERY MOTH!! WHY?? WHERE IS MY MONEY?? PLEASE I DONT GET ALOT FROM XXXX FOR WHAT I DID GO THROUGH AND WISH ITS NOT LIKE THIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE ANY THING TO KNOW PLEASE CALL ME, XXXX CELL PHONE, INCOME IS {$910.00} MONTHLY. THANK YOU MUCH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18
Company: CashRepublic Holdings, Inc.
State: NV
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Omni violated the Military Lending Act ( MLA ), Electronic Fund Transfer Act ( EFTA ), and Consumer Financial Protection Act of 2010 ( CFPA ) in connection with making installment loans. 

I received my loan from Omni Financial under the name XXXX XXXX before getting married. Once I received my loan from the company, I was asked that I repay by allotment. I have been repaying my loan by allotment for over 3 years and was recently told that this was a violation. 

Please let me know the proper steps that I need to take in order to get this resolved. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: HUNTINGTON NATIONAL BANK, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I want to close my business checking account ending in XXXX. 

Bank makes the process extremely burdensome and unnecessary. The account has a {$0.00} balance, and no pending transactions. This institution engages in predatory behavior by overly lengthening the closure process for the attempt of obtaining additional monthly maintenance fee revenue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I wan na dispute a charge and the close my account. So I can't do anything not even making a payment and the hanging of the phone on me the whole time.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently checked my credit reports and I found out some billing errors that violated the Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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