BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear, XXXX XXXX this is my 2nd attempt to you concerning a late payment that is not being reported to my credit report correctly there will not be a 3rd letter to this company regarding the late payment.Late payments are illegal according to 15 u.s.c 6802 ( b ) Opt out A financial institution may not disclose nonpublic personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was given none of this i still have yet to receive a bill in the mail which i have asked for several times from this company despite affidavits being sent to this company gone unanswered.You are now willfully and knowingly continuing to report inaccurate information on my credit report which is a crime according to 15 u.s.c. 1681q obtaining information under false pretenses -Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

I demand that you supply the name of the person responding to this letter and also the name of the person that is responsible for furnishing the inaccurate information to my report or adjust the late payment to paid never late.Best regards

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 2023-06-16
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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:
On XX/XX/XXXX I made a purchase at XXXX XXXX for {$100.00} using a SANTANDER Mastercard. This was my second purchase, the first one was all good and delivered to my home in XXXX XXXX, NY. This one was NEVER DELIVERED to me. XXXX tracking confirmed it was delivered to a 'Front Desk ' in XXXX NY XXXX 

I contacted Support at XXXX, and exchanged several emails with a XXXX. She tried to turn it around on me, insisting that I chosen and 'Access Point ' as an option. Complete XXXX  as my confirmation shows 'Home Delivery ', and their Home page also brag Home Delivery. She said that the product will be returned to them and then they will issue a refund.

Two months later nothing happened and in the mean time I twice asked Santander back to issue a charge back and credit the funds to me. Santander responds that the claim was denied, to contact the merchant and washed their hands off. I pointed out the clause in their conditions outlining that I should not have to pay for an online purchase with a cc. They told me that it was my problem now.

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 2019-04-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently had my credit report pulled and noticed that XXXX, has made an incorrect report on my credit, which has made a significant decrease in my credit score. In XX/XX/2018, there shows a late or missed payment. I have never made a late payment with this account, I was set up on autopay and know that at one point, I did change autopay cards, in which case, I am assuming that this is when the change happened, but nonetheless the payment still should have been removed from my account, thus not making it appear as if I was late. I believe this was reported in error and due to the circumstances stated above ; in my opinion, this should not be on my credit report, which is extremely damaging for a {$24.00} payment. Since opening this account, I have had a great relationship with XXXX and would like to continue my relationship, should this be corrected. Please take my issue into deep consideration, please and thank you. 

Sincerely, 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 2020-12-18
Company: Rent Recovery Solutions
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My husband and I received a debt collector letter on XX/XX/XXXX from a company called Rent Recovery Solutions LLC in the mail claiming I owed {$200.00} to MORNINGSIDE CTS APARTMENTS. The letter was dated XX/XX/XXXX. We called Rent Recovery Solutions asking for more details and was connected with a man named XXXX XXXX. He refused to provide verification of the debt -- neither over the phone nor in writing. He repeatedly put us on hold while double checking with his manager. He was evasive when pressed on details like the address of the creditor or the dates or descriptions of the debt. He said this collection would be put on hold for reinvestigation if we could mail him the following items : 1 ) Affidavit of Identity Theft from IdentityTheft.gov 2 ) A police report 3 ) A blank piece of paper with five of my signatures verified with a notary. 

The last item was extremely suspicious. Why would they need multiple examples of my signatures on a blank sheet of paper? What are they planning to do with this information? We asked him why, he said " For legal, mam '' and then became even more evasive. We said we were going to investigate this further and said goodbye. We are no longer able to reach him for further questions. The receptionist, XXXX XXXX forwards our call, but it now goes straight to voicemail. 

We went on to research MORNINGSIDE CTS APARTMENTS. They appear to be a real business in XXXX, GA -- XXXX Courts XXXX XXXX XXXX XXXX, XXXX, GA XXXX. With a real looking footprint across XXXX XXXX XXXX, XXXX, XXXX, etc. We called the number listed on their website and got in contact with the assistant property manager, XXXX XXXX. We described the situation to him and he helpfully found records in their system of someone applying for, but then unexpectedly cancelling, a rental application for XXXX XXXX XXXX on XX/XX/2020 in my name. He verified that there was no outstanding debt on the account. He also verified that they work with Rent Recovery Solutions for delinquent accounts, but that this fraudulent application in my name wasn't delinquent nor in collections status. If that is true, how and why is Rent Recovery Solutions pursuing a {$200.00} debt? We asked him to call Rent Recovery Solutions to clear up this matter. We're waiting to hear back. 

This is all very alarming & strange. Why is someone stealing my name to apply for residence in XXXX, GA? Why would the apartment complex & debt collector bother to chase someone for just {$200.00}? Why is the debt collector so evasive but then said this would go away if I would provide five notarized signatures on a blank sheet of paper? Could this be related to this season 's federal elections?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Experian claimed they needed documents from me in order to remove an account that was created via identity theft. I sent the documents in and continued to receive these unusual emails from them. After I'd call and ask to talk to a supervisor and only received being transferred around and hung up on. Today XXXX of their agents began to get aggressive so I asked him to transfer me to a supervisor and he became more aggressive. 


Its at a point now that their behavior is without doubt unprofessional, almost in a childlike way. They are damaging my credit personal reputation and are not adhering the the fair credit laws. 

Something is most definitely wrong with the way they are behaving, which can be seen in the emails they have sent.

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 2023-08-10
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a promotional offer to open a new checking account and to receive a {$400.00} bonus after meeting the terms and conditions. The terms and conditions included 2 direct deposits totaling {$1000.00} within 90 days of opening the account. The fine print mentioned that the {$400.00} bonus would be available within 4 weeks of the last qualifying deposit. I have proof that the promo code was applied at the time of application. I also called and confirmed it was applied on 2 separate occasions. I was advised both times that I called that it was applied and that I had meet the qualifications and that I just needed to be patient and wait for the 4 week processing time. I called again after 4 weeks and I am now being told the code wasnt applied to my account. 


I opened my new Truist account on XX/XX/2023 using promo code XXXX. 

XXXX account was linked for opening deposit and authorization given for transfer on XX/XX/2023. 

Test Deposits received off XXXX and XXXX received on XX/XX/2023. Deposits verified on Truist.com on XX/XX/2023 {$1800.00} direct deposit was received on XX/XX/2023. This was the first qualifying deposit. 

{$1800.00} direct deposit was received on XX/XX/2023. This was the second qualifying direct deposit. 

XX/XX/2023 was the 4 week time frame quoted to me to receive the bonus. 

I have a screenshot at the time of the application showing the promo code attached. I am happy to provide.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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

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 2023-01-18
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo. 

In XXXX Wells Fargo told us that when we pay our card down they will give us a XXXX percent APR. We paid the card down and they raised the APR. 

In XXXX XXXX started charging our credit card {$300.00} a month. We could not figure out why or where it was coming from. We called Wells Fargo once we discovered the charges and asked them to block/dispute the charges so we could figure out what was happening. They agreed to not close the card and we didnt hear back from them. They cancelled my credit card without authorization and issued a new card which kicked us out of all of our bill pay, my childrens school, and every other auto payment that was established on our card. They then re-established the charges with XXXX and stopped blocking their charges to the tune of over {$6000.00}. We have spent the past 9 months trying to resolve this issue. Wells Fargo continues to promise to help yet they do not and continue to charge 26 % interest on charges that are fraudulent. XXXX does not respond to us yet they have responded to Wells Fargo saying that they are going to continue to charge us. 

They have wiped out every bit of revenue from my small business, caused us months of stress and anxiety, and they refuse to settle the fraud from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm 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

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 2022-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
My name is XXXX XXXX. XXXX client of Bank of America. 
I have the credit card visa XXXX. 

I'm traveling in XXXX and unfortunately on XX/XX/2022 I was robbed in XXXX, where the XXXX thieves with physical aggression took my cell phone while I was using it. They blocked my XXXX password so that I couldn't block the cell phone having access to all my passwords and apps. 

Once I had access to my computer, I logged into online banking and changed my online password, and also blocked my debit and credit cards. 

I went to the police station to register the robbery : Report number : XXXX Departamento de Policia : XXXX D.P Sacoma Address : Av. XXXX XXXX XXXX, XXXX Sacoma So Paulo/SP XXXX - XXXX XXXX : XXXX XXXX de XXXX XXXX XXXX XXXX XXXX bank I have the report to send to them *** I contacted the bank to notify the robbery. I informed them that any transaction carried out from XX/XX/2022 onwards was not made by me on my credit card or bank account. 

CREDIT CARD VISA - Number XXXX PROTOCOL XXXX ( RECORDED CALL ) The attendant informed me that there were 6 transactions, 2 of which had been declined by the bank due to suspicious activity and other 4 were still being processed. ( I couldnt see the transactions on the online bank ). 

XXXX {$18000.00} to XXXX XXXX XXXX XXXX {$15000.00} to XXXX XXXX - Processing U {$18000.00} MP XXXX - Processing U {$5700.00} MP XXXX - Processing U {$16000.00} to XXXX XXXX XXXX suspicious activity U {$18000.00} to XXXX XXXX - Declined suspicious activity I informed him about the theft and that they probably had access to all my passwords. 
I said that all the transactions carried out were not made by me, that in fact the 2 transactions were correctly blocked by the bank and I requested that they to CANCEL ALL TRANSACTIONS THAT WERE STILL BEING PROCESSED. I pointed out that 2 of them still being processed ( XXXX XXXX ) were from the same establishment that the bank had already declined the transaction due to suspicious activity. 


Bank resolution : The bank opened claim XXXX, they did not decline the transactions that were still being processed and the purchases were processed on my card on XX/XX/XXXX. The bank responded to the claim saying that my password was used and therefore, they would not refund the amount.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: MS
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-25
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/23 unauthroized withdraw of {$500.00} XX/XX/23 unauthroized withdraw of {$140.00} Bank name is Regions Bank and I am using the employee debit card and app called XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief